Buying-Property-in-the- UK

7 Things You Need When Buying Property in the UK

ByAlan Roody

Buying property can feel like a huge leap, especially if it’s your first time. And while saving for a deposit is usually the top priority, it’s far from the only thing you need to get in order. From paperwork to practical steps, there’s a checklist that often catches buyers off guard.

Here’s a clear guide to what you actually need when buying property in the UK.

1. Proof of ID and Address

It sounds simple, but it’s one of the most important steps. Before you even begin viewing properties or applying for a mortgage, you’ll need to prove who you are and where you live.

Estate agents, solicitors and mortgage brokers are all legally required to check this. Usually, you’ll need to provide:

  • A valid passport or driving licence – for identity
  • A recent utility bill, council tax statement, or bank statement – for proof of address

Make sure your documents are in date and match the details you’ve submitted elsewhere. Any discrepancies can slow the process right down.

2. Bank Statement Translation

If your bank statements are not in English, they must be professionally translated. This is often overlooked, but lenders and legal teams need to clearly understand your income, spending, and financial habits. Bank statement translation must be certified and match the originals line-by-line. Most institutions won’t accept Google-translated documents or rough summaries. They need to see:

  • Your name and address
  • All transactions, including descriptions
  • The currency and exchange rates used (if relevant)
  • A certified translation stamp or letter

This is especially important if you’re applying for a mortgage, as underwriters use your statements to assess affordability.

3. Agreement in Principle (AIP)

An Agreement in Principle shows how much a lender might be willing to offer you. It’s not a guaranteed loan, but it gives you a good idea of your budget.

Estate agents often ask to see your AIP before accepting an offer. Without one, you could miss out on a property while you’re still scrambling to sort your finances.

Getting an AIP usually only takes a few minutes, and doesn’t commit you to anything. It simply shows sellers that you’re a serious buyer.

4. Deposit Funds (And Proof of Where They Came From)

Most buyers know they need a deposit. What catches some out is the need to prove where the money came from.

Lenders and solicitors carry out strict anti-money laundering checks. That means they’ll want a full history of your deposit, especially if it came from:

  • A gift from family
  • Overseas accounts
  • Multiple savings accounts
  • Investments or cryptocurrency

Be prepared to show a clear trail of how the deposit built up. If it was gifted, you’ll need a signed letter confirming the money is not a loan and won’t be repaid.

5. A Solicitor or Conveyancer

You’ll need a legal expert to manage the legal side of the purchase. This includes drafting and reviewing contracts, handling land registry paperwork, managing the transfer of funds, and conducting property searches.

You can’t complete a property purchase without one. Choose someone who is experienced with residential property and who communicates clearly. It makes a big difference when things get complex, which they often do.

6. Proof of Income

Lenders won’t just take your word for it when it comes to how much you earn. You’ll need to provide documents like:

  • Payslips from the last 3 to 6 months
  • P60s or tax returns if self-employed
  • Bank statements showing salary deposits
  • Employment contracts or accountant’s letters

If you’re self-employed, you’ll usually need more detailed records. That might include two full years of accounts or SA302 tax calculations. It’s worth checking exactly what your chosen lender requires, as the rules can vary.

7. Stamp Duty and Other Fees

Stamp Duty is a property tax that kicks in once your purchase price passes a certain threshold. It’s one of those hidden costs that catches people off guard.

In addition to Stamp Duty, you’ll also need to budget for:

  • Solicitor fees – for handling the legal work
  • Survey costs – if you want a homebuyer’s report or structural survey
  • Mortgage arrangement fees – some lenders charge these upfront
  • Removal or storage costs – for moving day

All of these add up quickly, so it’s worth building a buffer into your budget.

Not Just Paperwork, It’s Preparation

Buying a home is exciting, but it’s also a process that relies heavily on documentation and planning. The more prepared you are, the smoother it goes.

Being organised from the start means fewer delays, less stress, and a better chance of landing the home you want. Before you start searching for your perfect place, make sure these seven essentials are ticked off your list.

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