🏠 Selling — Before You List
I have a valid Energy Performance Certificate (EPC)
Required by law before marketing. EPC must be obtained before the first viewing is arranged. Get one from an accredited assessor — typically £60–£120.
I am the registered owner (or have written authority to sell)
Check the Land Registry title register. You can download a copy for £3 at gov.uk. Lenders will verify ownership during conveyancing.
I understand material information I must disclose
Under the Consumer Protection from Unfair Trading Regulations, sellers must disclose known material facts. This includes flooding history, boundary disputes, planning issues, Japanese knotweed, and leasehold terms.
I have instructed (or identified) a conveyancing solicitor
Instruct your solicitor before accepting an offer — they need to obtain title deeds and prepare the draft contract. Early instruction saves 2–3 weeks.
I have completed or started the TA6 Property Information Form
The TA6 is a standard form covering boundaries, disputes, services, guarantees and planning. Your solicitor will send this — completing it early speeds up the process.
I have checked my leasehold details (if applicable)
For leasehold properties: check years remaining on lease (under 80 years = problem), annual service charge, ground rent, and any major works planned. Your solicitor will need the management pack.
🔑 Buying — Before You Offer
I have an Agreement in Principle (AIP / DIP)
An AIP shows sellers you can obtain a mortgage. Get one from a whole-of-market broker — takes 24–48 hours and uses a soft credit search. Find a verified broker →
I have my deposit funds confirmed and accessible
Your solicitor will require proof of deposit funds at exchange. If using gifted funds, your lender will need a signed gift letter. Confirm funds are in an accessible account — not tied up in investments.
I have instructed a conveyancing solicitor
As soon as your offer is accepted, instruct a solicitor immediately. They will carry out searches, raise enquiries, and review the contract. Ask for their protocol questionnaire upfront.
I have booked or instructed a RICS survey
A mortgage valuation is not a survey. Recommend Level 2 (HomeBuyer Report) for most properties; Level 3 (Building Survey) for older or unusual properties. Cost: £350–£1,000+.
I understand stamp duty liability and have budgeted for it
Use our Stamp Duty Calculator for your exact figure. First-time buyers pay nothing up to £425,000. Additional property surcharge: +5% on total price.
I have checked the property's flood risk and environmental factors
Use our Property Risk Report and check the Land Registry flood risk map. Your solicitor's searches will cover environmental factors.
📋 General — Both Buyers & Sellers
I have verified my identity (anti-money laundering checks)
Your solicitor is legally required to verify your identity under the Money Laundering Regulations. Have ready: government-issued photo ID + proof of address dated within 3 months.
I understand the exchange and completion process
Exchange = legally committed (neither can withdraw without penalty). Completion = you get / hand over the keys. Gap is typically 1–4 weeks. Read our Help Centre guide →
I have buildings insurance in place (or arranged from exchange)
Mortgage lenders require buildings insurance from exchange of contracts. Buyers should arrange this before exchange. Sellers must maintain their policy until completion.
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Important: This checklist is for general guidance only and does not constitute legal advice. Property law is complex and individual circumstances vary. Always consult a qualified solicitor before exchange of contracts.