February 3, 2025

Essential Documents You Need When Buying a House

This post was written by: Riya Sekhon

Buying a house in the UK is an exciting but complex process that requires important documents. Ensuring you have the right paperwork in place will streamline the process. Aston Bond’s Residential Conveyancing team have put together a checklist of key documents you’ll need to buy your house:

1. ID & Proof of Address

To comply with anti-money laundering regulations, you’ll need:

  • A valid passport or driver’s license
  • A recent utility bill or bank statement (dated within the last three months)

This is to prove who you are and where your money comes from.

2. Proof of Funds

If you’re a cash buyer or paying a deposit, you must provide bank statements or a letter from your solicitor confirming the source of your funds.

3. Mortgage Agreement in Principle (AIP)

If you’re using a mortgage, your lender will provide an AIP, which shows how much they’re willing to lend you. This helps sellers take your offer more seriously.

4. Property Searches and Survey Reports

Your solicitor will conduct searches (e.g., local authority search, environmental search, water search) to uncover any legal or environmental issues. A surveyor may also assess the property’s condition.

5. Memorandum of Sale

Once an offer is accepted, the estate agent issues a Memorandum of Sale, outlining the agreed price and parties involved.

6. Draft Contract and Title Deeds

The seller’s solicitor prepares a draft contract, including key property details. The title deeds confirm the seller’s legal ownership.

7. Mortgage Offer and Insurance Details

Your mortgage lender will issue a formal offer, which you’ll need to review and sign. You may also need buildings insurance before exchanging contracts.

8. Exchange and Completion Documents

Once all legal checks are complete, you’ll exchange contracts, making the purchase legally binding. On completion day, you’ll receive the transfer deed and other relevant documents.

9. Stamp Duty Land Tax Receipt

A SDLT receipt provides proof that you have paid the necessary tax to HM Revenue & Customs (HMRC)

10. Energy Performance Certificate

An EPC shows how energy-efficient a property is. It must be included in a property sale by law.

11. Copy of the Lease

This is crucial for leasehold properties. A copy of the lease outlines the terms of the lease agreement, such as rent.

12. Property Information Form (TA6)

This is a document that sellers complete to provide buyers with important information about a property.

Having these documents ready will make the whole process smoother and help prevent delays. Working with a good conveyancing solicitor is also key to ensuring everything is in order, so don’t hesitate to contact our experienced team on 01753 486 777!