You’ve had an offer accepted – but what happens next?
Key Takeaways
- Finalize your mortgage: Lock in your mortgage and get the paperwork moving quickly.
- Book a home inspection: Make sure everything checks out with a professional lookover.
- Conclude the Missives: Your solicitor will help make the deal legally binding.
- Get ready to move: Sort your move, switch your utilities, and plan for the big day.
So, your offer’s been accepted — congratulations! This is a huge step forward and definitely one worth celebrating. But while it might feel like the hard part is over, there’s still a bit of a journey ahead before you get the keys. From legal paperwork to practical planning, you’ll need to tick a few more boxes before move-in day. Here’s a useful guide to what happens next, and how to make sure everything goes smoothly from here.
Finalize your mortgage
If you’ve already got an Agreement in Principle, now’s the time to let your lender know the offer’s been accepted and start the formal mortgage application. You’ll likely need to submit additional documents - payslips, bank statements, proof of deposit - and the lender will carry out their own valuation of the property. Acting fast here keeps things moving and avoids delays.
Book a home inspection
Even if the place looks great, it's smart to arrange a professional home survey. This could highlight hidden problems, such as damp, roof issues or outdated electrics, that you might miss on your own. Depending on what comes up, you might be able to negotiate repairs or adjust your offer.
Conclude the missives
In Scotland, the formal buying process involves 'concluding the missives'. This is a series of letters between your solicitor and the seller’s solicitor, agreeing the terms of the sale. Once both sides are happy, and the missives are concluded, the deal is legally binding. Your solicitor estate agent will take care of the details, but it’s good to stay in the loop.
Get ready to move
With the legal side taken care of, it's time to plan the fun (and sometimes stressful) part: moving. Make sure utilities are set up in your new home, arrange a removal company or van hire, and start packing early. Having a clear timeline will help you feel more in control as the moving date approaches.
From the moment your offer is accepted to the day you get the keys, there’s a lot to think about. But by staying organised and getting the right support—especially from your solicitor and mortgage advisor... you’ll be in your new place before you know it. Take things step by step, ask questions when you're unsure, and don’t forget to enjoy the process. You're nearly there!
