Our step-by-step guide to buying

Where are you on your property journey?

In the know, or in the dark? Take a look to see where you are on your property journey and find out the next steps.

Getting your finances in order

To avoid disappointment further down the line, make sure you have your finances in place before you start the process. If you have money in savings or shares, make sure you can access them easily and that there aren’t any fixed timelines to withdrawal. If you need a mortgage, speak to one of our in-house mortgage advisors, who have access to the entire mortgage market, plus many exclusive offers not available on the High Street.

We do not charge for our advice. Instead, we simply charge a fee for processing your mortgage application. Our typical fee is £450, however the actual fee will depend on your circumstances.

Contact your nearest branch to make an appointment

Please note: Your home may be repossessed if you do not keep up repayments on your mortgage.

Get registered

Registering with an estate agent can indeed offer several advantages when it comes to finding and securing properties. When you register with an agent, you establish a relationship with them and provide information about your preferences, budget, and other requirements. This allows the agent to keep you in mind when new properties become available, even before they are officially listed on the market.

Here are some potential benefits of registering with an estate agent:

  • Early Access: As mentioned, by registering with an agent, you may have the opportunity to learn about new property listings before they are widely marketed. This can be advantageous, especially in competitive markets, where getting a head start can make a difference.
  • Tailored Recommendations: Agents can use the information you provide during registration to tailor their property recommendations to better match your specific needs and preferences. This can save you time and effort by focusing on properties that are more likely to align with your requirements.
  • Personalised Service: Registered clients often receive more personalised attention from agents. This may include regular updates on the market, notifications about price changes, and insights into the local property trends.
  • Increased Visibility: Being registered with an agent means you are on their radar when they come across properties that meet your criteria. This proactive approach can be particularly beneficial in fast-paced property markets.
  • Faster Response Time: When a new property becomes available, registered clients are often the first to be notified. This can be crucial, especially if the property is in high demand, as you can express your interest and schedule a viewing promptly.

It's important to note that while registering with an agent can offer these advantages, it's also essential to maintain open communication with your agent and actively participate in the property search process.

You can , by phoning or visiting one of our 44 branches. We update our website daily and have around 3000 properties to view at any one time. If you are on our online mailing list, we will be able to alert you of any new properties via email. If you are interested in viewing a property, act fast and contact us straightaway.

Instructing a solicitor

Make sure you instruct a solicitor as early in the process as possible. This way once a sale is agreed, you will be in a position to get things moving quickly. Our conveyancing service is a no move, no fee offer. Which means, if things don't work out, you don't have to pay. Terms and conditions apply. Obtain an instant quote.

Making an offer

We will ask you to confirm how you intend to fund the purchase of your property and availability of the deposit (usually 10% of purchase price). If you need a mortgage, we will also ask you to speak with our mortgage advisor to confirm that they are able to obtain a mortgage if necessary. If you already have a mortgage arranged, we will ask you to provide an agreement in principle (AIP) document.

We are required, as part of our Anti-Money Laundering obligations, to establish the source of any funds used for the purchase of land and/or property. This is a legal requirement so it is necessary for us to inspect full, unredacted documents. It may be that your funds are coming from a number of sources, in which case you’ll need to supply appropriate evidence for each.

Offer agreed

Once an offer has been accepted, we will contact your solicitor, the seller and the seller's solicitor and confirm the details of the sale.

Offers are not legally binding until contracts have been exchanged. From now until exchange, you will need to be in close communication with your solicitor. We will also provide you with a guide to conveyancing to help you through this process.


We know you want to get moving quickly, which is why we advise our clients on the importance of getting “Legally Prepared”.

So often in a property transaction, the hard work begins once you find a buyer or a property to buy. Andrews Homemover gives you a head start by instructing a solicitor earlier in the moving process, so time can be saved once you agree your sale or purchase. Having all the necessary legal documents in place before you agree to a sale or make an offer removes many of the unwanted delays involved when waiting to instruct a solicitor once your sale or purchase is secured.

Service benefits at a glance

  • Fixed Legal Fee - Helps you budget as you will know exactly what you are paying
  • No move, No Legal Fee - You are protected financially should something go wrong
  • Dedicated team ready to help - Allows your file to be prioritised due to dedicated “Andrews” case handlers at our panel of solicitors
  • Legally Prepared - Putting you in the best position by carrying out all the legal work earlier in the moving process in order to save time once you find a buyer or property to purchase
  • Advice provided in Plain English - Helping you through the process without confusing jargon

To understand the benefits of the Andrews Homemover service further and to gain a breakdown of the cost involved, please call the Andrews Property Centre on 0845 9011343.

Survey and mortgage offer

If you are obtaining a mortgage, a survey of the property will be booked by a surveyor on behalf of the mortgage lender. This is to protect their interests and not yours. Once they have received the survey report and are satisfied they will issue a mortgage offer to your solicitor.

If you would like a survey of the property for your own interests, we recommend Gateway Surveyors.

Exchange of contracts

Exchanging contracts is the moment when the sale becomes legally binding on both sides. You can only exchange once you have paid a cleared deposit (usually 10% of the purchase price) to your solicitors account. Your solicitor will inform you when contracts have been exchanged and then will inform us. The completion date is then set by mutual agreement and is contractually binding.


The ‘completion’ is the moment when your property purchase has been finalised and you have transferred the remaining purchase price to your solicitor by the agreed completion date. Your solicitor will then contact you and us when the money has cleared in their account and we will then release keys to you.

This is just a snapshot. If you would like more detail on the process and what you need to do and how Andrews can help, please get in touch with us.