How To Buy A House In England May 2026

You usually need at least 5–10% of the property's value. Larger deposits often unlock lower interest rates.

Ensure your credit report is accurate and avoid taking out new loans shortly before applying for a mortgage. Step 2: Property Search and Making an Offer Once you have your AIP, you can begin viewing homes. The complete guide to buying a house in 2025 - Better.co.uk how to buy a house in england

This is a statement from a lender estimating how much they will let you borrow based on a soft credit check. Most estate agents require an AIP before they will even let you view properties or make an offer. You usually need at least 5–10% of the property's value

Before looking at houses, you need to understand your budget and prove your reliability to lenders. how to buy a house in england