You’ve walked through the front door, admired the light in the kitchen, and started mentally placing your sofa in the lounge. It’s easy to fall for a property quickly. But before you rush to make an offer, it’s worth slowing down and doing a few essential checks. Falling in love with a home is great. But buying one? That needs a clear head.
We’re not just talking about red flags like cracks in the ceiling or dodgy wiring, although those absolutely matter. There’s a whole checklist of things to look into before you sign on the dotted line, from the structure of the property to the paperwork and even the council tax band. Here’s where to start.
Don’t Skip the Survey
Even if the home looks in good condition on the surface, there could be hidden problems lurking underneath. A proper house survey can uncover things like damp, subsidence, roof issues or outdated electrics, the kind of problems that cost thousands to fix after you’ve moved in.
Of course, not every flaw is a deal-breaker. Some buyers are happy to live with a smaller garden or a 1970s kitchen if everything else fits. Others won’t compromise on off-street parking or a decent school catchment. Everyone’s priorities are different, but knowing the difference between what you can and can’t live with is essential, and a thorough survey helps clarify that.
Get the Legal Foundations Right
This is where many buyers get caught out. You might assume the property is good to go, but what about the legal side of things? That’s where a professional conveyancer comes in, someone who specialises in the legal process of transferring property ownership.
A good conveyancer will check that the seller has the legal right to sell, whether there are any disputes over boundaries or rights of way, and whether the property is subject to any restrictions or charges. They’ll also handle all the official documents, arrange for the transfer of funds, and register you as the new legal owner.
If you’re buying in the Highlands or anywhere in Scotland, Harper Macleod offers conveyancing services that help protect your interests throughout the process.
Check the Amenities and Local Plans
Even if the property itself is perfect, it’s worth asking: what’s happening around it?
Are there schools, shops, healthcare services and reliable public transport nearby? What’s the traffic like at rush hour? Are there plans to build anything new or to remove facilities that matter?
You can check your local authority’s planning portal for current applications, and it’s a good idea to drive or walk around the area at different times of day.
Understand the Costs: Council Tax and Insurance
It’s not just the mortgage you’ll be paying each month. Council Tax is based on the valuation band your property falls into, and it can vary significantly depending on the area and property size. That cosy cottage might seem cheaper until you realise it’s in a higher band than you expected.
Home insurance is another factor. If the area has a high crime rate or a history of flooding, your premiums may be higher, or you might struggle to get cover at all. You can look up crime statistics online, and even ask neighbours about any recent issues.
Liking a property is the start. But buying one takes a deeper look at what’s under the surface. You’ll be in a much better position to make a smart decision.
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