How Long Does It Take to Buy a Home? A First-Time Buyer's Timeline

If you're buying your first home, one of the biggest questions you’re probably asking is:“How long will this actually take?” The answer? It varies — but understanding the typical timeline can help you feel more prepared and less overwhelmed.

Here’s a step-by-step breakdown of what to expect and how long each stage usually takes in the UK.

How long does it take to buy a home?

 Step 1: Get a Mortgage in Principle

Time: 1–2 days

Before you start house hunting, it’s wise to get a Mortgage in Principle (MIP). This is a statement from a lender saying they’d likely lend you a certain amount, based on basic financial checks.

It shows estate agents you’re a serious buyer — and helps you stay within budget.

Step 2: House Hunting

Time: 2 weeks – several months

This is the most variable part of the process. Some people find “the one” quickly, others view dozens of homes. It depends on:

• Your budget

• Your location

• The state of the market

Tip: Be prepared to act quickly if you find something you love — good properties go fast!

Step 3: Make an Offer

Time: A few days

Once you find the right property, you’ll make an offer through the estate agent. The seller can accept, reject, or negotiate.

If your offer is accepted — congratulations! You’re now “under offer”.

Step 4: Apply for a Mortgage

Time: 2–4 weeks

Now you’ll submit your full mortgage application. The lender will carry out more in-depth checks, including a valuation of the property.

This step can take longer if extra documents or follow-up queries are needed.

Step 5: Instruct a Solicitor (Conveyancer)

Time: Begins straight after offer accepted – runs in parallel

Your solicitor handles the legal side of the purchase, known as conveyancing. They’ll check contracts, the title register, search local authority records, and ensure the property is legally sound.

This typically takes 8–12 weeks, depending on how complex things are.

Tip: Make sure you check in with them every week!

Step 6: Property Survey (Optional, but recommended)

Time: 1–3 weeks

You might choose to book a survey to check the condition of the property. This can help you spot costly repairs early — and possibly renegotiate.

Tip: Once the offer has been accepted you could get a survey booked in. Depending on the area, some surveyors having a 4 week waiting list.

Step 7: Exchange Contracts

Time: Happens once all checks are complete

Once your solicitor is satisfied, you’ll exchange contracts with the seller. This is the point where the deal becomes legally binding. You’ll also pay your deposit — usually 5–10% of the purchase price.

From here, you’ll agree a completion date – often one to two weeks later.

Step 8: Completion

Time: Usually 1–2 weeks after exchange

On completion day, your solicitor transfers the money, and you get the keys. You’re officially a homeowner!

So, What’s the Total Time?

From offer accepted to completion, the process typically takes 8–12 weeks.

If you include house hunting and getting your finances in order, the full journey can range from 3 to 6 months — or longer in a busy market.

Buying your first home is exciting, but it can feel slow at times. Staying organised, choosing a good solicitor, and keeping in regular contact with your estate agent can help keep things moving.

Every step gets you closer to your new front door — and we’re here to guide you through it.