Process of buying a property

Buyer evaluates finances, lifestyle needs, and desired location.

Often starts browsing property listings online.

Buyer secures an Agreement in Principle (AIP) from a mortgage lender, which shows how much they can borrow.

This strengthens their position when making offers.

It also allows you to understand your budget.

Searches on property portals (Rightmove, Zoopla, etc.).

Registers with estate agents for alerts on new listings.

Books and attends property viewings.

May visit multiple properties before narrowing down options.

Submits an offer via the selling agent.

Negotiates price and any conditions (e.g., fixtures, timelines).

The property is marked “under offer” or “sold STC” (subject to contract).

Buyer instructs a solicitor for the conveyancing and provides details to the estate agent to create the memorandum of sale.

You will be invited to Kotini for your admin onboarding and sent an email to activate your account.

Complete the tasks on your dashboard until there are no more tasks. This could include, ID & AML checks, proof of funds, signing contract and more.

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Buyer’s mortgage lender arranges a valuation survey.

Buyer may also choose a full structural or homebuyer’s survey.

Solicitor checks legal title, local searches, and raises enquiries, back and forth until replies and answers are satisfactory for them and the lender (if there is one involved).

Once surveys and legal checks are complete, the lender issues a formal mortgage offer.

Buyer pays a deposit (usually 5–10%).

Contracts are exchanged, and a completion date is fixed.

Remaining funds are transferred, and keys are handed over.

Buyer officially owns the property.