Buying a property is one of the biggest decisions most people will make in their lifetime, and it’s easy to get swept up in the excitement.
But before you put pen to paper, there are some essential checks you need to make.
Rushing into a contract without understanding all the fine print can lead to legal, financial, or even structural headaches further down the line.
Whether you’re a first-time buyer or a seasoned mover, taking the time to carry out these checks can save you serious stress and money in the long run.
Here’s what you need to know before signing that property contract.
1. Understand Exactly What You’re Buying
This might sound obvious, but many buyers don’t fully understand what’s included in their purchase. Are you buying the freehold or just the leasehold?
If it’s leasehold, how long is left on the lease? Who is responsible for maintaining shared areas or boundaries?
Also, check what fixtures and fittings are staying. You don’t want to move in only to find the seller has taken the oven, the garden shed, or even the light fittings with them. The contract should clearly list what’s included.
2. Check for Planning Permissions and Building Regulations
If the property has been extended, converted, or altered in any way, the seller should be able to provide documentation confirming that all works had the necessary planning permission and complied with building regulations.
If these documents aren’t in place, you could be left footing the bill later, or worse, forced to undo the changes.
It’s always worth asking early, especially if the property has a loft conversion, conservatory, or garage extension.
3. Review the Search Results Carefully
Your conveyancer will carry out a number of searches on the property, including local authority, water and drainage, and environmental searches. These are more than just formalities. They can reveal important issues such as:
- Whether the property is at risk of flooding
- If it’s near contaminated land
- Whether nearby roads or buildings are due to be developed
Take the time to understand what the results mean for you, and ask questions if anything is unclear.
4. Get a Full Survey (Not Just a Mortgage Valuation)
Your mortgage lender may only require a basic valuation survey, but that’s for their benefit, not yours.
If you really want to understand the condition of the property you’re buying, consider a more in-depth homebuyer report or full structural survey.
This is especially important for older homes or properties that have been vacant for a while. Surveys can uncover issues like damp, subsidence, or roof problems that you definitely want to know about before signing.
5. Read the Title Deeds
The title deeds confirm legal ownership and outline any restrictions or covenants on the property.
For instance, there may be a clause saying you can’t park a caravan on the driveway, or that you need permission to build an extension.
In rural areas or private developments, there may also be shared access roads or maintenance charges to consider. These details matter and should never be glossed over.
6. Understand the Timeline and Chain Position
Find out how many other people are involved in the buying and selling chain. The more complex the chain, the more likely delays can occur. Ask your estate agent to give you a clear picture of who’s involved and what stage everyone is at.
You’ll also want to agree on realistic timelines for exchange and completion. Rushing these can lead to errors or leave you unprepared for moving day.
7. Check for Outstanding Disputes or Neighbour Issues
Sellers are legally obliged to disclose certain disputes, like boundary disagreements or issues with neighbours. But not everything always makes it onto the form.
Ask direct questions about things like noise complaints, parking problems, or shared access. If the seller hesitates or seems evasive, that could be a red flag worth exploring further.
8. Secure the Right Legal Support
A good solicitor will guide you through the entire process, flag potential issues, and make sure the contract reflects your best interests.
Don’t feel pressured to use the solicitor recommended by the estate agent. Shop around for someone who will be thorough, communicative, and proactive.
If you’re buying in the North West, experienced Solicitors in Runcorn can offer local insight and support tailored to your situation.
What Does This Mean for Buyers and Sellers?
For buyers, being thorough before signing a property contract helps you avoid nasty surprises. You’ll be in a stronger position to negotiate, better prepared for the costs ahead, and more confident about your purchase.
For sellers, understanding these checks allows you to anticipate questions, prepare the necessary documents, and avoid delays. A well-informed buyer is less likely to pull out late in the process.
In short, doing your homework benefits everyone. It makes transactions smoother, more transparent, and far less stressful.
Whether you’re buying, selling, or just considering a move, these checks are key to making confident and informed property decisions.
