Buying a home
This content applies to Scotland only.
Housing laws vary between Scotland and England. Get advice relating to England
This section looks at how to go about buying a home in Scotland, including how to find a suitable property and how the buying process works. It also has information on buying a home if you have a disability, and grants and loans that may be available to help buyers. If you are a council or housing association tenant, you may have the right to buy your home - this section explains how this works.
If you watch a lot of property programmes, you'll probably be familiar with the buying process... in England. In Scotland, however, the process is different. This page explains it step-by-step.
If you want to buy your home, first work out how you can pay for it. And there are other costs involved apart from the mortgage. You'll need to be sure you can afford the running expenses too.
To buy a home, you'll need to find a solicitor to give you advice and carry out the legal work involved in buying a home.
Got your mortgage and your solicitor sorted out? Then you're ready to move on to the next step: finding somewhere to buy.
Once you've found a home you like, you will need to get a formal mortgage offer from a lender. The lender must carry out a valuation of the property before they can make you an offer. You'll also need to get a survey done.
If you're interested in buying a property in Scotland, the seller will need to provide you with a home report. This is a pack that provides more information about the property for potential buyers.
Once you have found a property you like, you know that you can afford it and the bank or building society will lend you enough money, your next step is to make an offer to the seller.
Once you have made your offer you have the nerve-wracking experience of waiting to see if it is accepted. This page talks you through what happens after you have made your offer.
Once your offer has been verbally accepted, your solicitor will negotiate the conditions with the seller's solicitor before the property is transferred to you. This is called concluding the missives.
Title deeds are the legal documents which show who owns a property or piece of land. This page explains what they are for, where they are kept and what you need to do if you want to change them.
Check how to deal with problems that could happen once you have moved into your new home. For example if the heating isn't working or if anything is missing you thought was included.
Nobody wants to think about dying, but it's important to think about what will happen to your possessions when you die, particularly if you're buying a home.
The process for buying a new build home differs from buying a second-hand home, especially if the property is not yet finished. How it works and what to do if you're not happy with your new home.
More and more people are starting to use property auctions as a way to buy a new home cheaply and quickly. This page explains how the auction process works.
If you're a disabled person, buying your own home can lead to greater independence. You can adapt your home to suit your needs. This page looks at the things you'll need to consider.
If you buy a home with other people, you need to decide who will legally own it and what share each of you has. If you don't, it may be difficult to decide what you're entitled to if there are problems.
Some Scottish secure tenants have the right to buy their homes. This section explains who has the right to buy, how much it will cost and how the procedure works.
It can be particularly tough trying to get on the property ladder if you're a first-time buyer. This page contains some practical hints and tips to help you.