Here is our suggested process for buying a new property from www.0com.co.uk. Please do your own research - your own requirements may vary depending on your circumstances

1. The 0com.co.uk Guide to Buying Property

2. 
Here is our suggested process for buying a new property.
Please do your own research - your own requirements may
vary depending on your circumstances.

3. 
 Work out approximately how much you can
afford, including:
 Your maximum borrowing (as provided by a mortgage
broker - ensure that you can afford your mortgage payments)
 Proceeds from the sale of your current property
 Any other savings you have.
(Deduct moving costs, stamp duties, solicitors fees and other
costs.)
Tip: find a solicitor now, to do the conveyancing work later.
1. Finance

4. 
Decide what you want in a property –
size, location, facilities, and so on.
2. Requirements

5. 
Research your required properties, at sites such
as 0com.co.uk. Once you have found properties you like, you
can then view them,
On viewing, examine the condition of the
property, including fixtures and fittings.
Tip: view properties you like at least twice, preferably at
different times of day / night, so that you can judge the
neighbourhood properly.
3. Research

6. 
Once you find a property you want, now offer a price for it.
Depending on factors such as market conditions, the vendor's
circumstances, and your own position, you may be able to
negotiate a lower price than the asking price.
For example, if you can make a chain-free offer (that is, if you are
not depending on the sale of your own property to fund your
offer), you may be able to offer a reduced price as you can
complete quicker and with less risk.
If successful, the vendor will accept your offer. Ensure the
property is now taken off the market as being "under offer".
4. Offer

7. 
You can now:
 Ask your solicitor / conveyancing agent to start the
conveyancing process.
 Contact your mortgage lender, and arrange a mortgage
application
 Book a survey: your mortgage lender will arrange a basic
survey, but you should also arrange a more detailed survey
yourself.
This process can be time-consuming, but you need to ensure
there are no problems before you buy the property. Read all the
paperwork, and ensure you are happy with all the conditions
and results, before you proceed.
5. Paperwork

8. 
You can now sign and exchange contracts with the
vendor, including paying a deposit (typically 5-10% of
the agreed price), and agreeing a completion date.
Once contacts are exchanged, you are legally
committed.
6. Exchange

9. 
Organise the move – plan how to get your contents into
your new property.
7. Removals

10. 
Arrange buildings and contents insurance for the property.
Contact utilities providers for the property to ensure
supply of these utilities when you move in.
8. Bills

11. 
The completion date is when you take ownership of the
property. You can now collect the keys to the property.
9. Complete

12. 
You can now move in to the property – congratulations!
10. Move!