The Buying Process

Whether you’re looking to purchase your first home, move home or add a property to your portfolio, with Pad Residential you’ll be looked after throughout the whole buying process. Here’s what that process will look like:

Understand Affordability

You need to be able to identify your costs and income. Check an affordability calculator (most banks will have one), to understand how much you can borrow. This, coupled with your deposit, will set your budget for your property. Its a good idea to speak to a mortgage adviser at this stage. They’ll go through your outgoings and should be able to provide you with a Decision in Principle. Armed with this, you’re ready to look at properties!

Search For Your Dream Property

Looking on property search engines, such as our property portal, to find your dream home. Once you’ve got a shortlist, arrange a viewing!


Before you visit the property, make a list of the questions you want to ask. For example, what is the area like, is there parking etc? Use this opportunity to quiz the estate agent about all aspects of the property.

Make an Offer

Once you have a property you like, make an offer through the estate agent. They will then discuss with the property owner. Be prepared to negotiate.

Instruct Solicitors

Once accepted, you’ll need to instruct your solicitor to prepare paperwork, obtain funds from your Help to Buy ISA (if you’re a first time buyer) and complete the conveyancing process.

Offer Accepted

If you’re offer has been accepted, its time to apply for your mortgage. Your mortgage lender will conduct a property valuation. We still recommend conducting your own surveys.

Exchange Contracts & Completion

Once contracts are exchanged, the property is yours! You’ll receive the keys and you can start to move in!

Get in Touch

Looking to find your perfect Pad? Get in touch with our friendly advisers who can help find your dream home.

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