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Buying in Scotland

Most of us don’t regularly buy a new home, so it’s no wonder the home-buying process can seem a little confusing at times. However, it’s not as complicated as it can seem. We’ve laid out the steps below to help.

 

The following information is about the home-buying process in Scotland.

Looking to buy a home in England & Wales? Click here.

Get your finances in order

  • Firstly, you need to check how much you can borrow, how much your deposit will be, and get a mortgage agreed in principle.
  • Don’t worry, this doesn’t tie you to anything. You can always choose a different provide later.

Try our offer selector tool

Find a solicitor

  • You will need a solicitor to take care of all the legal aspects of the home-buying process.
  • Remember to shop around for the best rate and make sure the one you choose specialises in Scottish conveyance (preparing the property transfer documents).
  • Traditionally, in Scotland, you need to find a solicitor right at the beginning of the home-buying process, as they will make offers on your behalf.
  • One of our sales advisers can put you in touch with a local solicitor if you need any help with this.

Find your new home

  • Now you know what kind of price range you can afford, you can start the exciting bit.

Get the Home Report and survey

  • In Scotland, you will receive a Home Report from the seller. This consists of three documents:
  • The Single Survey – an assessment of the condition of the home and a valuation
  • The Energy Report – an assessment of the energy efficiency of the home and its environmental impact
  • The Property Questionnaire – extra useful information such as Council Tax banding
  • Your mortgage lender will probably ask for a separate survey to be commissioned and submitted too.

Reserve your property

  • In the traditional home-buying process, this stage is similar to the ‘make an offer’ stage.
  • Once your home is reserved, no-one else will be able to reserve it.

Arrange your mortgage

  • There is a lot of choice when it comes to choosing your mortgage – which lender to go with, how you’d like to repay your mortgage, how you’d like the interest calculated and which offers to take advantage of.
  • Do plenty of research online or through a mortgage broker – our sales advisers can put you in touch with one if you’d like.

Complete the contracts

  • This is when your solicitor steps in to officially transfer the property from the seller to you – known as ‘conveyancing’.
  • Amongst other things, this involves making sure you’ll have complete ownership of the property and that there aren’t any local plans afoot that may affect the value of the property.

Complete settlement and disposition

  • The final part of the conveyance step is the exchange of contracts.
  • This is when you pay your deposit and means both you and the seller are committed to the deal.

Move in

  • The best bit! Before you move in we’ll invite you to your New Home Tour and Demonstration.
  • We’ll demonstrate your new home to you, ensuring that when you move in you know where everything is and how it works.
  • Then the keys are yours and you can move in!

  Find out how else we help you through the process of buying a home in our Customer Service Charter.

If you are planning on buying a home in Scotland, you may need to pay Land and Building Transaction Tax (or LBTT). 

We can get you moving with a range of different schemes

Help to Buy

Buy a new home with just a 5% deposit with the Government-backed Help to Buy scheme. Available for first time buyers, exclusively on new-build homes. Subject to eligibility, terms and conditions.

Part Exchange

With Part Exchange, we could be your guaranteed buyer. No stress or fuss, just an easy move for you and your family.

Deposit Unlock

Whether you’re a first time buyer or an existing homeowner you could buy selected new homes, with just a 5% deposit.

Deposit Boost

If you have a 10% deposit, we could boost it with a further 5% of the purchase price.

Part Exchange Xtra

If you're looking for more space, with Part Exchange Xtra we could organise the sale of your existing home for you.

Movemaker

Buy a new Barratt home and we'll help you arrange to sell your existing home with no estate agent fees to pay.

Home Reach

Home Reach is a scheme that’s designed to make it easier for you to get on the property ladder and means those who previously couldn’t afford to buy, may now be able to. You just buy a share of the Barratt home that’s right for you and our partner company heylo will own the other share and act as your landlord.