Buying a House – The Process of Buying a Home

Someone has to say it – there’s a lot of faff being taught in schools! Sure, there’s loads of stuff that we needed to learn, but we never learnt any useful skills, like, buying a house? Throughout school, no-one ever explained how to buy yourself a house! But sure, I’m confident calculating that circumference of a circle is reallllly useful… There are some basic life lessons we wish we’d been taught. Buying a house can be stressful, especially if you don’t know what’s going on. First-time buyers need not be overwhelmed.

So, in the spirit of teaching – it’s back to school time! In this post, we’re going to explain to you everything you need to know about buying yourself a house. As a mortgage specialist, we know exactly how to land a mortgage and buy your first home. It’s our speciality, so we’ll tell you all you need to know.

Welcome to your guide to buying a house!

Buying a House – The Guide

Doing your Homework

Ideally, before you dive into the housing market, it’s important that you should do your homework first. You need to search and research everything, from the local area and location, right down to the price of the house you want. Properties in good location may go for more but can be sold for more – if you’re near a good school or public transport, it’s win. However, area crime rate can plummet a house’s price, so make sure you research.

Obviously, affordability is key. Houses up north are usually cheaper than the south, and London is infamous for its high house prices. Properties closer to the centre of a city are usually more expensive – as it goes. You’ll need an idea of what size house you can afford, with the budget you have. There are ways to save yourself overpaying for a house, and that’s looking for properties in less desirable areas. Buying a house is a lot of work, so make sure you look into all properties in detail.

Making an Offer

Once you’ve found the property of your dreams, it’s time to make your move, and put your offer down. Whilst you may not be able to afford the price of the property, have a go at bartering… Your estate agent will have some insider knowledge of what price the owners would be willing to accept. If your offer is accepted, you’ll be halfway to your new home… Yes, only half way – it’s not easy to buy a house! Now comes the time to put a deposit down, to secure the sale of the home. This shows the estate agent and the seller that you’re serious about purchasing. Dependent on the houses’ price, this will usually be between £500-£1000.

Getting a Mortgage

When you’ve made your offer, and it’s been accepted, now is the time to secure a mortgage. Because you’ll need some money to actually be able to pay for the house… Finding a mortgage is fairly easy, but you need to find the best one for you. There’s mortgage comparison sites and more, but you should visit an independent mortgage provider to see what kind of deal is best for you. At Zing, we’re a mortgage broker, with years of experience in mortgages – so, if you’re looking for a quote, give us a call!

Legal Things

Once you’ve put an offer down, found a house and got your mortgage, now it’s time for all the legal stuff. And we say legal stuff because it gets very complicated… It’s when you have to make sure everything is legal and ‘okay’ with your house when you purchase. It involves enlisting the help of a solicitor, conveyancer and surveyor too. There are things that need to be checked throughout the sale of a property. One, to make sure that the investment in the property is sound – meaning, the house isn’t about to crumble and fall down…

Your solicitor will help you finalise the sale of the property, with the exchange of contracts and more. You’ll need a survey done on the house, to make sure everything is safe and secure. Once all of this is completed, your mortgage will be granted to you for the next step!


Once all of the checks, legal stuff and mortgage are approved, now is the time to negotiate a completion date. This will be when you’re free to move into your new home – it needs to be a date both you and the seller agree on. You’ll hand your deposit to your solicitor, and this is when you can’t back out! The solicitors of both parties will go through the contracts and details, to finalise everything, then you’ll fill out the paperwork.

After some final checks and signing the transfer deed, your solicitor will ask your mortgage provider for the rest of the cash, to then hand over to the seller. Once all of this is done, the house sale is complete! Now it’s time to move in on the agreed date – because the house is yours! Enjoy your time moving in and get ready to start your life in your new home.


And that’s pretty much it! Thanks for reading our blog, and hopefully you learned something your teachers never taught… Buying a house doesn’t have to be stressful, especially now you know what you’re doing. If you’re looking for a mortgage, look no further, browse our website to see what Zing can offer you!

Back to news
Beside you all the way
At Zing, we’re here to help you throughout your mortgage application. From your first enquiry through to completion - we’re here to make the whole process easier for you.
03332 414 113
Monday - Friday: 9:00am - 5:00pm
What our clients say
Efficient and Excellent Experience
1st time buyers and they made the whole process really easy from start to finish. Kept us up to date throughout and answered any questions we had strait away. Thank you Zing
Rion in Sevenoaks
Best choice we made
Gary was patient & understanding when dealing with our mortgage. Ellie was brilliant with weekly updates that increased to daily as we neared completion. Can't thank the team at Zing enough, would recommend to anyone.
Julie in Southend-On-Sea
Great service
Great service from start to finish. Lee was very knowledgable and got us the deal we where looking for. Was kept informed and he was always available, or called us back. Would highly recommend.
Brian in Ware
Very nice service I will recommend it to my friends and if I need will use again. Very big thanks for Ian.
Good overall service
We have used zings services for a number of years now and have always been very happy with there services, although we had a bit of a slow start this time everything was completed well and would recommend them again for the future.
Steve in Essex
Would recommend
They chased the solicitors continuously for what was a long tome! They kept me up to date throughout which I really appreciated
Feefo logo