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Buying a home

This content applies to England & Wales

The steps involved in buying a home.

Types of home ownership

The main forms of ownership for owner-occupied property. 

Occupation rights

The different ways in which land and property can be owned: freehold, leasehold and commonhold; summary of key features of each. 

Rules for lenders

Mortgage lenders, affordability and mortgage regulation. 

Mortgages and interest rates

Information on different types of mortgages and interest rates available. 

Valuations, surveys and Energy Performance Certificates

Information about valuations, surveys and Energy Performance Certificates. 


Contract terms, and issues around the exchange of contracts. 

Disputes with estate agents

Common issues and problems buyers may encounter in disputes with estate agents. 

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