How To Buy A House In England May 2026

You usually need at least 5–10% of the property's value. Larger deposits often unlock lower interest rates.

Before looking at houses, you need to understand your budget and prove your reliability to lenders. how to buy a house in england

This is a statement from a lender estimating how much they will let you borrow based on a soft credit check. Most estate agents require an AIP before they will even let you view properties or make an offer. You usually need at least 5–10% of the property's value