Buying a house can feel complex and overwhelming, but it doesn’t have to be! This guide is designed to simplify the process and help you feel confident every step of the way.
Step 1 – Book your appointment and set your budget
Start by understanding the full cost of buying a home, including legal fees, removals, and other expenses that may not be obvious at first. Use our budget planner to get an idea of what you can save a month. With our partner at Embrace Financial Services, you can book an initial mortgage appointment to calculate your total costs and determine how much you can borrow. This sets the foundation for your property search.
Step 2 – Begin your search
Once you know your borrowing power, it’s time to find a solicitor. Your Move offers a no-fee conveyancing service with a guaranteed fixed price, introducing you to trusted legal support.
Use the Your Move website and My Move app to start browsing properties. You can also register for daily updates and connect with estate agents in your preferred areas.
Step 3 – View properties and make an offer
Viewing homes is one of the most exciting parts of the journey. Arrange viewings through our website, app, or local branch. Take your time, ask questions, and explore the neighbourhood.
When you’ve found the right home, Your Move will guide you through making an offer and negotiating with the seller. In Scotland, once an offer is accepted and missives are concluded, you’re legally committed; be sure you’re confident before proceeding.
Step 4 – Finalise your mortgage and legal paperwork
With your offer accepted, your lender will issue a formal mortgage offer. Your solicitor, recommended through Your Move, will begin the conveyancing process, handling legal checks, title deeds, and contracts. You’ll be kept informed throughout.
Our fixed-fee service ensures peace of mind, with no surprise costs during this stage.
Step 5 – Agree on your move-in date.
Once paperwork is complete and funds are in place, you’ll agree on a move-in date with the seller. Your solicitor will finalise the missives and confirm everything in writing. Now’s the time to arrange removals, utilities, and any other essentials.
Step 6 – Move in
It’s time to collect your keys and step into your new home. Congratulations! You’ve made it.
Start your moving journey today
You can read a more in-depth guide to the buying a property in Scotland here
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your initial mortgage appointment is without obligation. Embrace Financial Services normally charge a fee for their services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but the standard fee is £599. Complex cases usually attract a higher fee. Embrace Financial Services will discuss and agree the fee with you prior to submitting any mortgage application.
Please be aware that the information provided within these archives has been pre-published, as of the date published on each article. The information contained within, including references to taxation, legislation, regulation, or any other issues or concerns may no longer apply.
The Your Move Content Marketing Team
