First-Time Buyer Checklist: 15 Steps from Sale Agreed to Keys in Hand

Getting to "sale agreed" is exciting, but it's just the beginning. Here's your complete checklist: Week 1-2: Legal & Financial 1. Appoint a conveyancing solicitor 2. Confirm mortgage approval-in-principle 3. Arrange mortgage protection insurance 4. Arrange home insurance Week 3-6: Due Diligence 5. Solicitor reviews contracts 6. Commission a building survey (if second-hand) 7. Book a snagging survey (if new build) 8. Review the BER certificate 9. Check planning compliance Week 6-10: Pre-Closing 10. Sign contracts and pay deposit 11. Arrange final mortgage drawdown 12. Get quotes for any immediate works (flooring, painting) 13. Set up utility accounts Week 10-12: Closing & Moving 14. Final walkthrough / snagging re-check 15. Closing day — collect your keys! Pro tip: Start getting quotes for flooring, attic conversions, and other works early. Tradespeople book up fast, and you'll want everything ready for move-in day.