Buying Your First Home? Ask These 10 Questions
10 Questions a First-Time Buyer Should Ask When Buying a Property in England
Buying your first home in England is exciting, but it can also feel overwhelming, with numerous factors to consider. Asking the right questions early on can save you time, money, and stress — and help you feel confident you're making the right decision. Here are the key questions every first-time buyer should ask before committing to a property.
1. Is the property freehold or leasehold?
This is crucial in England. Leasehold often comes with ground rent, service charges, restrictions, and potential future costs. Ask how many years are left on the lease (ideally 80+).
2. How long has the property been on the market?
If it has been listed for a long time, there may be concerns about price, survey results, or local issues.
3. Are there any known issues with the property?
Ask about damp, subsidence, roof problems, or past survey findings. Sellers must disclose material defects; however, asking directly provides more clarity.
4. Have there been any planning permissions or building regulation approvals?
In England, extensions, loft conversions, and structural changes require the correct approvals. Ensure paperwork exists to avoid legal problems later.
5. What is included in the sale?
Clarify whether appliances, fitted wardrobes, garden buildings, or blinds are staying. This is later confirmed in the TA10 fittings and contents form.
6. What are the running and ownership costs?
Ask about:
Council tax band
Utility bills
Service charges/ground rent (if leasehold)
Maintenance costs
These affect overall affordability.
7. Are there any upcoming local developments?
New roads, housing estates, or commercial buildings can change traffic, noise, or property value. Check with the council or ask the agent.
8. What are the neighbours and the surrounding area like?
Good to know about noise levels, parking, anti-social behaviour, or boundary disputes. Agents often have insights.
9. Has the property been recently renovated?
Ask who carried out the work and whether it’s under warranty (e.g., FENSA for windows, NICEIC for electrics). This helps uncover poor-quality DIY.
10. Why is the seller moving?
Their motivation can highlight issues (e.g., noise, space, neighbours) or give you negotiating leverage if they need a quick sale.
Choosing your first home is a big milestone, and the more informed you are, the smoother the process will be. By asking these essential questions, you’ll be better equipped to spot potential issues, plan your budget, and negotiate confidently. Take your time, do your research, and trust your instincts — your ideal home is out there.