First Time Buyers

Buying your first home is one of the most exciting moments of your life—but it can also feel overwhelming. At Capital Property Lawyers, we specialise in helping first-time buyers navigate the legal process with confidence and ease. We understand that everything is new to you, so no question is a silly one—we’re here to guide you at every step.

Unlike many law firms that leave you chasing updates, we provide clear, regular communication, ensuring you always know what’s happening. Our job is to make your first home purchase smooth, stress-free, and exciting—just as it should be!

Our Step-by-Step Guide for First-Time Buyers

Step 1: Find a Property & Make an Offer

Once you’ve found your dream home, you’ll make an offer through the estate agent. If accepted, it’s time to instruct a solicitor—that’s where we come in!

Step 2: Instruct Us as Your Conveyancing Solicitor

We’ll handle all the legal aspects of your purchase, from reviewing contracts to conducting property searches. Instructing us early ensures there are no delays.

Step 3: Applying for a Mortgage

If you’re using a mortgage, your lender will need to approve your loan and provide a mortgage offer. We liaise directly with your lender to ensure everything is in place.

Step 4: Property Searches & Legal Checks

We conduct essential searches to check for any potential issues, including:

• Local Authority Searches – Checking for planning restrictions or nearby developments.
• Environmental Searches – Identifying risks like flooding or contamination.
• Water & Drainage Searches – Ensuring the property is properly connected to utilities.

We explain everything in plain English so you understand exactly what’s happening.

Step 5: Reviewing the Contract & Raising Enquiries

We review the legal contract from the seller and raise any questions on your behalf. If anything needs clarification, we make sure it’s resolved before you commit.

Step 6: Signing Contracts & Exchanging

Once everything is in order, we’ll guide you through signing the contracts. At this point, your purchase becomes legally binding. We’ll also discuss your completion date—the day you get your keys!

Step 7: Completion Day – Move In!

On completion day, your mortgage lender transfers funds to the seller, and the keys are officially yours. Congratulations, you’re now a homeowner!

What Extra Support Do First-Time Buyers Get from Us?

We know this is a big step, so we go above and beyond to make you feel supported:

• Dedicated First-Time Buyer Support – We take the time to explain every detail, no matter how small. No question is a silly one!
• Regular Updates – You’ll never be left wondering what’s happening—we keep you informed at every stage.
• Jargon-Free Advice – We make legal terms simple and easy to understand.
• Fixed Fees – No hidden costs or surprises. You’ll know exactly what to expect.
• Quick Response Times – You’ll have direct access to your solicitor via phone and email.

Frequently Asked Questions

1. How long does it take to buy a house?

For first-time buyers, the process typically takes 8-12 weeks from offer to completion, but this depends on factors like mortgage approvals and searches.

2. What are the main costs involved?

When buying your first home, typical costs include:

• Deposit (usually 5-20% of the property price)
• Solicitor’s fees (we provide clear, fixed pricing)
• Mortgage fees (valuation, arrangement fees, etc.)
• Stamp Duty Land Tax (SDLT) – Most first-time buyers don’t pay this if the property is under £425,000.

3. Do I need a survey?

A survey isn’t legally required, but it’s highly recommended to check for structural issues before you buy. Your mortgage lender may also require one.

4. Can I pull out of a purchase after making an offer?

Yes, before exchanging contracts, you can withdraw without penalty. After exchange, the purchase is legally binding, and pulling out could mean losing your deposit.

5. What is ‘exchange of contracts’?

This is when both buyer and seller sign the contract and agree to the sale. After this point, neither party can back out without serious consequences.

Why Choose Capital Property Lawyers for Your First Home Purchase?

• Experts in First-Time Buyer Conveyancing – We make the process clear and stress-free.
• No Chasing for Updates – We keep you informed at every stage.
• Fixed-Fee Pricing – Transparent costs, no hidden fees.
• Jargon-Free Advice – We explain everything clearly, so you feel confident.
• Rated 5 Stars – Our clients love our personal, efficient service.

Start Your First Home Purchase on the Right Foot

Your first home should be an exciting milestone, not a stressful experience. Let us take care of the legal side while you focus on getting your keys!