Step 1: Get Your Finances in Order

Before viewing properties, assess your financial position carefully.

✔ Work Out Your Budget

• How much deposit can you afford?

• How much could a lender offer you?

• What monthly repayments are realistic?

Knowing your budget helps you search for property for sale in Cardiff within your price range.

✔ Get a Mortgage Agreement in Principle (AIP)

An AIP shows sellers you’re a serious buyer and confirms how much you could borrow.

✔ Budget for Additional Costs

Buying a house involves more than just the purchase price. You’ll need to factor in:

• Solicitor fees

• Survey costs

• Stamp Duty (if applicable)

• Moving costs

• Mortgage fees

---

Step 2: Start Your Property Search

Begin browsing online property portals, social media, and local estate agents in Cardiff.

Think about:

• Location

• Property type

• Number of bedrooms

• Parking

• Outdoor space

Having a clear list of priorities makes your search more efficient.

---

Step 3: Arrange Viewings

Viewing a property in person helps you assess:

• Overall condition

• Storage space

• Natural light

• Potential renovation needs

Take notes and don’t be afraid to ask questions.

---

Step 4: Make an Offer

When you find the right property, research similar sold prices in the area. Make an informed offer based on:

• Market value

• Property condition

• Your budget

Be prepared for negotiation.

---

Step 5: Instruct a Solicitor or Conveyancer

Once your offer is accepted, your solicitor will:

• Carry out property searches

• Review contracts

• Liaise with the seller’s solicitor

• Handle Land Registry paperwork

---

Step 6: Arrange a Property Survey

A survey identifies structural issues or potential problems. This protects you from unexpected repair costs after purchase.

---

Step 7: Finalise Your Mortgage

Submit your full mortgage application and provide required documentation. Once approved, you’ll receive a formal mortgage offer.

---

Step 8: Exchange Contracts and Complete

At exchange:

• Contracts become legally binding

• A completion date is set

On completion day:

• Funds are transferred

• You receive the keys

• You officially own your new home 🎉

---

Additional Considerations When Buying a House in Cardiff

Stamp Duty

Check the latest Stamp Duty Land Tax thresholds before purchasing.

Home Insurance

Buildings insurance must be in place before completion. Consider contents insurance too.

---

Frequently Asked Questions

Do I need an estate agent to buy a house?

Yes — estate agents help arrange viewings, negotiate offers and guide you through the buying process.

What’s the difference between a mortgage lender and broker?

A lender provides the loan. A broker compares multiple lenders to find competitive deals.

How long does buying a house take?

Typically 8–12 weeks, though it can vary depending on the chain.

---

Ready to Start Buying a House in Cardiff?

If you're searching for your next home, our experienced team at Fortis can help you navigate every step of the buying process.

📞 Call 02920 561111
📧 Email hello@fortis.homes
📍 Speak to your local Cardiff property experts today