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The Buying Process
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    Moving house is very exciting, but it can also be one of the most stressful times in ones life. FLS Property Sales always try to keep things as simple and straightforward as possible so that your moving experience is more enjoyable, allowing you to concentrate on what is most important, finding your perfect home.

    We will set out the basic steps in house buying below so that you fully understand the process;

    Mortgage Agreement in Principle

    Before you start looking for a new home, it is best to have already spoken with your bank and have an agreement in principle for your mortgage in place. An agreement in principle is confirmation from your lender that, subject to various conditions, they are prepared to give you a mortgage up to a certain amount. This means that your budget is clear and that any offers you make on properties are more likely to be taken seriously. We can help you with this as we can access every mortgage lender to help you get the best rate to suit your circumstances.

    Decide What You Are Looking For

    - Location - a quiet area or close to a town centre, transport links, etc.
    - Type of Property - house or flat, number of bedrooms, parking needed, garden, etc.
    - Budget - work out what you can reasonably afford and remember that you will need to add bills (such as council tax, gas, electric, telephone, etc.) on top of your mortgage.

    Start Your Search

    Once you have decided what your budget is then you can start looking for a suitable property

    - Property Type - House or a flat
    - Location - Town Centre / outskirts or smaller town/village
    - Property Size - 1,2,3 bedrooms or even larger
    - Do you need A large garden or driveway and garage?
    - There are many factors you may wish to consider when looking


    Once you have identified a property that you are interested in we can arrange for you to have a viewing. You will be shown around the property by either one of our agents or the seller themselves. At this point we can also send you a copy of the Home Report.
    The Home report is compiled by a qualified surveyor and will contain a single survey, An Energy Performance Certificate a property questionnaire and also a generic mortgage valuation. This will highlight any potential defects/issues that the surveyor may have seen or become aware of.


    House purchases require a qualified solicitor to deal with them, if you currently don't have one then we can make recommendations on who to use.

    The Offer

    As soon as you see a property which you like you may wish to make an offer, your solicitor will contact the selling agent and make an offer or alternatively ask them to "note interest".

    Closing Date

    If the seller's solicitor receives notification of interest from two or more buyers, they often announce a closing date and time by which all of the offers must be received.
    Due to the 'closed envelope' bids system used, you will never know what anyone else has bid. Since you only have one opportunity to bid then you must make sure that you get it right.
    Your solicitor should make the offer on your behalf which will include the suggested entry date, which is the date you will be given the keys to your new home.

    Finalising the Mortgage

    Once you have been advised that your offer has been successful, you will need to contact your mortgage company to finalise your mortgage application, generally they will need specific details regarding the property you are planning to buy.

    Concluding the Missives

    After your offer is accepted, your solicitor will conclude the missives.

    Once all the details of the sale have been agreed, you as the buyer are responsible for the structure of the building and will need to make sure you have adequate buildings insurance in place.


    All the funds to buy the property, along with all the fees, need to be ready for forwarding to your solicitor before the date of entry and you will need to sign the title deed to the property.
    Finally, the vendor's solicitor will hand over the keys and the disposition document to you, which legally transfers ownership of the property to you.

    If you have any questions or concerns about the house buying process or if you need help finding a mortgage, you can contact us for a free no obligation discussion with a qualified mortgage specialist.

Contact us


    FLS Property Sales

    Where we're active

    Our Branch

    Our Branch

    Current Properties

    Recently Sold Properties

    Note: Markers represent the centre of postcodes, not exact locations

    Find us

    3a School Street,
    KY4 8LT

    Telephone us

    Buying: 01383 328017  Local call rate

    Email us

    Contact us


    The content on this Microsite has been uploaded by FLS Property Sales, Cowdenbeath. Rightmove Group Limited makes no warranty as to the accuracy or completeness of the content, any queries should be sent directly to FLS Property Sales, Cowdenbeath. Where properties are displayed on a page, this comprises a property advertisement. Rightmove Group Limited who operate the website Rightmove.co.uk makes no warranty as to the accuracy or completeness of the advertisement or any linked or associated information, and Rightmove has no control over the content. These property advertisements do not constitute property particulars. The information is provided and maintained by FLS Property Sales, Cowdenbeath. Please contact the agent directly to obtain any information which may be available under the terms of The Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 or the Home Report if in relation to a residential property in Scotland and if you have any query over the content.

    *Guide Price: An indication of a seller's minimum expectation at auction and given as a “Guide Price” or a range of “Guide Prices”. This is not necessarily the figure a property will sell for and is subject to change prior to the auction.

    Reserve Price: Each auction property will be subject to a “Reserve Price” below which the property cannot be sold at auction. Normally the “Reserve Price” will be set within the range of “Guide Prices” or no more than 10% above a single “Guide Price.”

    Auction Fees: The purchase of this property may include associated fees not listed here, as it is to be sold via auction. To find out more about the fees associated with this property please call FLS Property Sales, Cowdenbeath on 01383 431861.