How long does it typically take to buy a property in England?

If you're wondering how long it takes to buy a property, you are not alone. Purchasing a property is exciting but if you’ve never done it before, it’s important to understand the timeline involved to manage expectations and plan effectively. The process of buying a home in England typically takes between 12 to 16 weeks, though this varies depending on individual circumstances.

Here’s a breakdown of the key stages and how long each could take working on a 16-week timeframe.

Week 1-2: Secure your decision in principle

Before starting your property search, it’s essential to know how much you can borrow. Working with a mortgage broker can streamline this process, as they have access to a wide range of lenders and can find the most suitable options for your situation.

Your broker will handle the paperwork and secure a Decision in Principle (DIP), showing sellers that you’re a serious and financially qualified buyer. This process typically takes just a few days but may take longer if additional documentation is required.

Week 3-8: Find a property and make an offer

Once you understand your purchasing power, the exciting part begins, finding the right home. The time it takes varies significantly from buyer to buyer—some may find their dream home within days, while others may take months. Factors like budget, location, and property availability play a big role in this stage.

Once you find the right property, you’ll submit an offer through the estate agent. The seller may accept, reject, or negotiate, which can add to the timeline. Once accepted, the buying process officially begins.

Week 9 – 14: Apply for a mortgage, get a survey and begin legal work

With your offer accepted your broker will submit a formal mortgage application. Lenders will conduct affordability checks and a property valuation before issuing a mortgage offer, which can take a few weeks.

A property survey is recommended to assess the home’s condition and uncover potential issues. Basic surveys (mortgage valuations) can take a few days, while more detailed surveys (homebuyer reports or full structural surveys) may take longer.

Conveyancing is the legal process of transferring ownership from the seller to the buyer. This stage involves:

• Searches (local authority, environmental, water & drainage) – 2 to 5 weeks

• Drafting and reviewing contracts – 2 to 4 weeks

• Raising and resolving enquiries – Varies depending on complexity

The length of this stage depends on how quickly solicitors and third parties process the necessary paperwork.

Week 15-16: Exchange contracts and complete

Once all searches, surveys, and mortgage formalities are complete, contracts are exchanged. This legally binds both parties to the transaction, and you’ll typically pay a deposit at this stage (usually 5-10% of the purchase price).

Completion is when you officially take ownership of the property. This date is agreed upon at exchange and typically happens within a few weeks. On completion day, funds are transferred, and you receive the keys!

Factors that can delay the process

While the process can run smoothly, there are of course occasions where the timeframe is taken out of your hands. Some common delays include:

• Long property chains – If your purchase depends on multiple linked transactions, any delay in the chain can affect your timeline.

• Slow searches and legal work – Some local authorities take longer than others to return search results.

• Mortgage approval issues – If additional checks are needed, mortgage processing times can be extended.

• Survey findings – If serious issues arise, renegotiations or repairs may be required before proceeding.

While 12 to 16 weeks is a common timeframe to buy a property, it’s always best to prepare for potential delays. Working with an experienced mortgage broker, responsive solicitors, and a proactive estate agent can help keep things moving smoothly.

If you’re looking to purchase a home and need expert mortgage advice, get in touch with us at Your Mortgage Room. We can recommend our trusted partners to ensure your property purchase is as smooth as possible and we’re here to guide you every step of the way.