Complete Guide to Buying a Home in the UK – Costs, Timeline & Moving Tips

Find My Man and Van's 2026 Guide to Buying a New Home

Buying a new home is exciting, though it can quickly feel overwhelming — from saving for a deposit to getting organised for moving day once your offer is accepted. The good news is that the 2026 housing market is steadier than it has been in years, giving you more time to make confident decisions without rushing.

This guide breaks the process down into clear steps so you can plan your move, stay within budget, and know what to expect from start to finish.

What's Happening in the UK Housing Market Right Now?

After several years of sharp price changes and rising mortgage rates, the UK housing market is showing signs of stability again. Buyers now have more time to plan, and sellers are adjusting expectations to match a steadier pace. Here’s what the latest data shows:

While the UK average sits around £270,000, regional prices vary widely. London remains significantly higher than many regions, while cities such as Manchester and Leeds are often lower. These differences shape affordability and also influence practical moving costs (distance, access, and time required).

Homes are now taking longer to sell, giving buyers valuable breathing space to prepare. If you’re just starting your search, this is a good moment to plan your finances and your moving logistics carefully before committing.

Step 1 – How Much Do You Really Need?

Before you start viewing properties, get clear on the numbers. You’ll need a deposit (often 10–20%) plus budget for legal fees, surveys, insurance, and the practical costs of relocating.

Quick checklist:

• Deposit and mortgage agreement in principle
• Legal and valuation fees
• Stamp Duty (if applicable)
• Moving-day transport and help
• Insurance and connection/activation fees

You can also check whether you qualify for support such as First Homes or Shared Ownership on GOV.UK.

Step 2 – Get a Professional Valuation (If You're Selling)

If you already own a property, arrange at least two valuations before you set an asking price. A realistic figure helps you plan your next purchase and reduces the risk of delays later.

Don’t rely solely on online estimates. Local agents and surveyors can help you understand demand, pricing, and likely time to sell in your specific area.

Step 3 – How Long Does Buying Actually Take?

Property transactions can take longer than expected, especially when chains are involved. Build in buffer time: from mortgage approval to completion, many purchases take around three months, sometimes longer.

Typical timeline:

Step 4 – How Do You Choose the Right Area?

Location matters as much as price. Think beyond the property itself: commute, schools, transport links, community feel, and everyday practicalities.

• Check council tax bands
• Review broadband speed and mobile coverage
• Confirm parking or permit needs
• See flood-risk maps on GOV.UK

Step 5 – Work with a Trusted Estate Agent

A good estate agent can save you time and help you avoid problems. Ask how long they’ve worked in your area, how often they’ll update you, and whether they’re part of The Property Ombudsman.

Online agents may reduce fees, but you’ll usually handle more admin yourself — which can be fine if you’re organised and have time.

Step 6 – What If Things Get Delayed?

Even well-planned purchases can hit delays: surveys, lender checks, and legal hold-ups are common. Staying calm and proactive helps.

• Stay in regular contact with your solicitor and platform
• Keep a small buffer for unexpected costs
• Plan moving-day logistics with flexibility where possible

Step 7 – What's the Real Cost of Moving House?

When planning, include more than just transport. Packing, cleaning, storage, and utility overlap can influence your total.

Step 8 – How Should You Prepare for Moving Day?

Before the day:

• Confirm timing and access details
• Notify gas, electricity, and broadband providers of final readings
• Arrange mail redirection with Royal Mail

On the day:

• Photograph meter readings at both homes
• Keep valuables and key documents with you
• Do a walkthrough before loading begins

Remember: buildings insurance usually starts on exchange, not completion. If you’re unsure about cover, check Citizens Advice .

Step 9 – What Admin Do You Need to Handle After Moving?

Once you’re in, handle the essentials early to avoid missed letters, billing issues, or outdated records.

• Register to vote
• Update driving licence address
• Notify banks, pension providers, and insurers
• Register with a GP and dentist if you’ve moved area
• Inform both councils to avoid duplicate council tax bills

Step 10 – How Can You Settle In Quickly?

Unpacking can take time, but you can make your new place feel “yours” quickly. Change locks, test smoke alarms, and locate the fuse box and stopcock early.

Then explore your area, meet neighbours, and plan small updates to make the space comfortable.

Quick-Reference Table

Final Thoughts

Buying a home in 2026 doesn’t need to be stressful. With a steadier market, you have more space to plan properly. Start with your finances, stay in touch with professionals you trust, and line up your moving-day plan early.

When you’re ready to plan the practical side, you can check prices and book a man and van for your move in minutes.