10 Questions to Ask When Buying a House

Asking the right questions when purchasing a property is crucial for every first time home buyer. It is one of the most important decisions and financial commitments that a person has to make in his lifetime. For many, buying a house also involves big emotions, especially if it is the first home. But although it is exciting to close the deal and start living in the house of your dreams, you should first ensure that each decision you make is the right one for you and your situation.

House hunting can be stressful, and many buyers overlook some essential information they need to know. Once you finalize the contract, there will be no turning back, and if you are not thorough, you might discover some unexpected details about your house and the sale. Thus, here are some questions to ask when buying a house to your agent, seller, or owner of the property you are interested in buying.

Make sure to read our article about 10 Questions to Ask When Buying a Flat.

How much can I afford to borrow?

First-time homebuyers may eagerly ask lenders how much they can borrow when planning to buy a house. But it might actually better ask how much you can sensibly afford to borrow. A mortgage can run for many years, and your circumstances can change along the line. You can end up struggling to pay for your mortgage, or you can comfortably pay for it. It is always best to prepare for the worse, so best to consider and estimate the costs of everything that may come up along with the purchase of your home. Consider potential bills and unexpected expenses that come with having a home.

What Are Included in the Sale?

Found a house on the listing? You need to know what you will be getting for the amount posted for it. Some sellers would take with them established plants and other movable features around the house when they move out. Thus, it is crucial to know the things included in the sale before committing and moving in. Garden sheds and white goods can save you a lot of money if it comes with the property. Likewise, you can ask the developer to include everything that comes with the asking price and not get a new build mortgage.

buying a new house

Are You Buying a House in the Right Area?

Another thought to ponder on whether you are getting a house in the best area for your budget and circumstance. In some cases, up-and-coming regions offer the best long-term investments when it comes to buying a property. But if you are not open to this option, check out for locations where there might be an up-turn of real estate sales in the future.

Why is the Property for Sale?

It is also essential for you to know the real reason behind the sale of the property. Although it might sound like you are prying into their personal life, their reason for selling may impact your decision in the future too. Some sellers are not really open to discuss this because they think it might affect the property's potential and price. So, if the answers don't seem right, there might be something amiss with the property up for sale.

How Long Has the Seller Stayed in the Property? Are there any other issues you should know about?

If the property has been sold several times in just a few years, you should undoubtedly ask why. Also, if the property has been owned by a sole owner for decades, you must check for potential maintenance issues and ensure that they are not neglected at all.

How Long Has the Property Been Listed? How Many Has Shown Interest in It?

If a newly listed property gains a lot of interest, they are likely to sell soon. And if you are interested in getting it, you should be prepared to make an offer without a lot of time to consider. On the other hand, properties that have been on the market may accept a lower offer than the listing price. This can reduce your mortgage significantly and give you some funds to use for other improvement projects.

Which Survey Should I Choose?

A property survey is like a routine health check. It will reveal any issues that can cost you money in the future. If there are any problems, you can decide to change your offer or negotiate for a reduction to cover the cost of repair. You can find lots of surveys for properties, and choosing the best one depends on the kind of property you intend to buy, your budget, and how much detail you want to discover.

What Details Should I Look Into After Completing a Survey?

Some of the crucial things you need to look into are mould problems, foundations issues, and flashing damages. You should also understand structural matters to know the extent of the damages or issues before committing to buying the property.

Did the Seller have Issues with the Neighbors?


Sellers are not obliged to disclose any issues with their neighbours if there are no official complaints against them. If there are any, the seller must declare the information on the Seller Property Information Form. It is a document that you can get from your solicitor. In case you have already purchased the property and discovered that the seller did not give you all the necessary information you need, you may take legal action against them.

Are there Planning Permission Applications for Nearby Properties?

Running this question may incur additional expenses on your part. Still, it will also show any planned development projects which might impact your living conditions in the property you will buy. There might be upcoming construction of a superstore nearby, which may disrupt your tranquil life, so it is also an essential question to ask when buying a house.

Buying a home for the first time really is an exciting feat. You want to finish all the paperwork, close the deal, and move in as soon as you can. But there is wisdom in knowing the tiniest details about the home you intend to buy. We do not want to burst your bubble, so we’ve given you the crucial 10 questions to ask when buying a house for you to make an informed decision before committing to buy a property you love.