Cribs Estates Ltd
Phone
WhatsApp
Back to the blogs list

What to Look for When Buying a House: Step-by-Step Guide

Landlords
Posted in   Mar 17 , 2025
What to Look for When Buying a House

One of the most important financial decisions is buying a house for your family. Whether purchasing it for the first time or not, knowing what you are looking for will save time and avoid spending more. Property prices have fluctuated since 2025 started, and experts predict it will evolve with time, so it's compulsory to have this checklist about what to look for when buying a house in London.

Check the location and neighbourhood

One of the most important factors in property buying is the location. Having the best location maximises the value, amenities, and solid options for resale in future. You need to consider the ease of public transport, roads, and highways because these features impact how convenient your living will be. 

Families should consider proximity to schools and other necessities before making a decision. Local areas, including supermarkets, hospitals, parks, and playing activities, balance the quality of life. Moreover, when buying a house, you should consider the crime rate and other local area fees related to safety and security, their development programs and any upcoming projects. All of these factors will ensure that your property gets the maximum value.  

Don’t overlook the internal structure 

Buyers often go for how good the house looks instead of how strong the basics are. Any hidden issue that arises after purchase will cost from your pocket, so it's important to check for missing tiles, leaks, or sagging. In case of any dampness or mould, you should be looking at a bigger problem, so check if the paint is peeling or giving you a musty smell. 

Another important factor is the size of the cracks in the walls; if they are larger, they indicate costly structural issues. Check the windows and doors to see if they work correctly and if the wood is rotted. Next, examine the plumbing, drainage, and any leaking taps, toilets, and water flow.  

Legal considerations when buying a house

Homeowners must know the legal and financial aspects of the property. The first step is ensuring the property is on lease or free. A leased property will require a complete checkup about the length and charges. Another highlight is reviewing the council tax bands, as the higher the bands, the higher the annual cost will be. 

If you plan to take out a mortgage, consider its affordability carefully. You should also consider stamp duty and other costs, such as the fees, survey, and other renovation expenses. Contacting the local authority could also help you find more details, such as permission to plan, road developments, or tenant disputes.

Security and safety should be top priority

A safe home offers peace of mind, so security and safety should be top priorities. The quality of locks and security systems should be checked to ensure that doors and windows have secure locking mechanisms. Fire safety measures should include smoke alarms, carbon monoxide detectors, and clear fire exits. It is a good idea to visit the neighbourhood at different times of the day to get a feel for safety levels and community activity. Checking with local authorities for historical safety concerns can provide additional insights.

Assess the property's future growth

Buying a house is not just about the physical property but also the long-term financial implications. It is important to assess whether the property is a good investment by reviewing market trends. Researching past sale prices of similar properties and analysing future growth potential can help make an informed decision. Renting out a portion of the house or considering its resale value can also be part of the financial evaluation. Many buyers underestimate additional ongoing costs such as maintenance, repairs, insurance, and potential service charges, which should all be considered before purchasing.

How Cribs Estates Can Help

The property market is challenging, but with Cribs Estates by your side, you can have peace of mind knowing our experts know what to look for when buying a house. We specialise in helping buyers find the right property whilst ensuring all checks are covered. Our team provides expert advice on location trends and investment potential, ensuring we choose an area you will appreciate. We also offer cover property inspections that highlight hidden issues before purchase.

Our guidance on legal and financial aspects ensures a smooth transaction, avoiding common pitfalls that many buyers face. We help you secure the best deal, saving you money in the long run. We provide access to exclusive listings that match your requirements, giving you more options than what is available on the general market.

Buying a home should be an exciting experience, not a stressful one. With Cribs Estates by your side, you can confidently make the right decision whilst we handle the hurdles. Our team handles the legalities, inspections, and negotiations, allowing you to focus on finding the perfect home. Whether you are a first-time buyer or an experienced investor, we ensure you are safe with us.


Shared on social media

Comments


Latest Blogs

Do You Need Planning Permission For HMO

The demand for shared accommodation has increased recently, and landlords have now considered converting their properties into houses in multiple occupations (HMO). But before you take the next step, there is one important question you need to answer: Do you need planning permission for HMOs in 2025? The answer to this depends on many factors, including the regulation of the council, tenant numbers, and the conversion type. Landlords must understand UK laws regarding planning permission for their properties to avoid costly fines or legal action. How is HMO defined?  In the UK, an HMO is a property rented to three or more tenants from different households who share basic facilities like a kitchen, bathroom, and living space. Whilst small HMOs can be established through some given development rights, large HMOs require complete planning and clear intention. Planning permission for HMOs depends primarily on whether the property falls in Use Class C3 (single dwelling) or needs to be reclassified in Use Class C4 (small HMO) or the Sui Generis (large HMO). Small HMOs, comprising three or up to six occupants, benefit from given development rights, and no formal application is required unless the Article 4 directions are applied. How Does Article 4 Affect Planning Permission for HMO? Many local councils in the UK have introduced Article 4 Directions, which remove automatically permitted development rights. If an Article 4 Direction is in place, even small HMOs (three to six occupants) require planning permission before conversion. This regulation is often implemented in areas with a high concentration of shared housing to manage the impact on local communities. Before converting a property into an HMO, landlords should check with their local authority to determine whether Article 4 applies. Councils such as Manchester, Birmingham, and many London boroughs have strict Article 4 controls, which require planning permission for HMOs. When is Planning Permission Required for an HMO? Small HMOs (under six occupants) generally do not require planning permission unless Article 4 is in place, but larger HMOs must obtain formal approval. Here are situations where planning permission for HMO is mandatory: 1. Any property housing seven or more unrelated tenants is classified as Sui Generis and requires a planning application. 2. Planning permission is required if a commercial property (such as an office or retail space) is being converted into an HMO. 3. Planning approval is necessary if the conversion involves major modifications, such as adding extensions, increasing the number of rooms, or altering external appearances. 4. If the property is located in an Article 4 Direction zone, even a small HMO conversion requires permission. How to Apply for Planning Permission for HMO in 2025 Applying for planning permission for HMOs requires landlords to submit a formal application to the local for planning permission for HMOs council. This process includes providing detailed property plans, outlining intended modifications, and demonstrating compliance with HMO licensing, safety standards, and local housing policies. 1. Speak with the local planning authority to understand specific requirements and assess the likelihood of approval. 2. Prepare documents, including property plans, proposed usage details, and supporting statements addressing community impact. 3. The application is reviewed, and local residents may be invited to comment. 4. The council either grants or refuses permission, usually within 8-12 weeks. 5. Landlords can appeal to the Planning Inspectorate if planning permission is denied. What Happens if You Convert Without Planning Permission? Failure to obtain planning permission for an HMO when required can lead to serious legal consequences. Local authorities can issue enforcement notices, requiring landlords to restore the property to its original use. Non-compliance can result in hefty fines and potential legal action. Additionally, landlords who rent out an unapproved HMO may struggle to secure financing, as mortgage lenders often require compliance with planning regulations before approving loans for HMO properties. How Cribs Estates help with Planning Permission for HMO Cribs Estates specialises in converting properties into HMOs whilst ensuring full legal compliance. We help: 1. Determine whether planning permission is necessary based on location and property type. 2. Our team manages the entire application process, ensuring accurate documentation and smooth submission. 3. If your property is in an Article 4 Direction area, we assist in building a strong case for approval. 4. Beyond planning permission, we ensure your property meets all licensing and safety requirements. 5.  We provide strategic advice on optimising rental yields whilst complying with planning laws. Converting a property into an HMO can be highly profitable, but only when done correctly. With Cribs Estates by your side, you can confidently expand your rental portfolio whilst we handle the planning permission for HMO.

Read more

Can I Sell My House With Mortgage Arrears in the UK?

If homeowners fall behind on mortgage payments, the situation becomes stressful, and most start to wonder: Can I sell my house with mortgage arrears in the UK? The good news is that you can sell the property while it is in the mortgage. However, it requires complete understanding and well-planned implications for legal and financial matters. This blog explores your options as a homeowner in the selling process and how to avoid repossession while securing a positive outcome.Let’s understand mortgage areasMortgage arrears happen when you have missed one or multiple payments, and your lenders start to question your behind payments. If the arrears continue to add up, the lender has all the right to take legal action and start the proceedings to repossess the property. Selling your home before the repossession will help you clear the debts, prevent issues in your credit score, and even get you some equity if your property value exceeds the outstanding mortgage amount. So can you sell the house?Yes! Even if you have mortgage arrears, you must inform the lender about your plans because they have a legal interest in that property. Often, lenders go with voluntary sales instead of repossession as this method is less expensive and time-consuming. If you can sell the house for more than its actual value, you can quickly get the mortgage cleared along with any arrears. However, if the sale price cannot cover the mortgage amount, you will have to negotiate the shortfall with the lender or look for other options. What are the steps to sell my house with mortgage arrears? 1. Contact your lenderOnce you realise you are behind in repayments, contact your lender immediately. They often allow temporary solutions, such as mortgage holidays or even restructuring the payments. Informing them about your intention to sell can also help in any negotiations about giving a timeframe for the completion of the sale before starting any legal action.   2. Assess the value of the property Before listing the home, get a property valuation to understand the right amount you can sell it for. Hire an expert estate agent like Cribs Estates, who has professionals to guide you about the market condition and can check any similar property in the area to give you an idea of real-time expectations. 3. Calculate the mortgage debt and additional costs Confirm your mortgage balance, including arrears, repayment charges, and other pending fees, if applicable. You must also consider fees for estate agents, solicitors, and any other selling costs attached. 4. Proceed to list the property Once you have a clear picture of the financial situation, it is time to proceed with the listing. Hire an estate agent with a solid reputation, like Cribs Estates, who are known for securing the best deals for your home. They can even ensure the property is sold urgently through their connected links. 5. Negotiate the offer before acceptingAfter listing, you would start to get offers; only consider the ones that will ensure you settle the mortgage and arrears. Cribs Estates can help you get the best price and a fast completion date to prevent financial loss. 6. Settle your mortgage through proceedsAs soon as the sale is complete, any mortgage balance and arrears are deducted from the sale proceeds. If there is the remaining amount, it will be transferred back to you. In case of any shortfall, the payment will be discussed again with the lender.  Can I sell my house with mortgage arrears in another way?If you don’t prefer to sell the home in the first place, there are many other options you can explore:1. Most lenders agree to get the repayment plans discussed, revise them, and clear up the arrears with time. 2. Many government schemes assist homeowners who cannot pay on time. 3. If your property has a good amount of equity, you can easily remortgage or even remove the equity release plan and pay off the remaining arrears. 4. Often, you can convert your property into a rental income and generate enough to cover the mortgage payments. How Can Cribs Estates Help?Understanding mortgage arrears and selling your house can quickly become overwhelming, especially if you are already in a financial crisis. Cribs Estates is a specialised estate agent company that helps homeowners overcome difficult times and offers the best solutions. Our experts are ready to guide you and ensure you receive the best price without delays. We offer the following services: Ensuring you price your home competitively to attract buyers quickly.Helping you find buyers quickly to prevent repossession proceedings.Ensuring you get the best possible offer to cover your mortgage arrears.Assisting with lender negotiations and handling all necessary paperwork to make the process as smooth as possible.So, if you are wondering, can I sell my house with mortgage arrears? Cribs Estates has the answer with the right strategy and support. They can assist you in all the challenges of handling the proceedings confidently and focusing on securing a promising financial future.

Read more

What to Look for When Buying a House: Step-by-Step Guide

One of the most important financial decisions is buying a house for your family. Whether purchasing it for the first time or not, knowing what you are looking for will save time and avoid spending more. Property prices have fluctuated since 2025 started, and experts predict it will evolve with time, so it's compulsory to have this checklist about what to look for when buying a house in London.Check the location and neighbourhoodOne of the most important factors in property buying is the location. Having the best location maximises the value, amenities, and solid options for resale in future. You need to consider the ease of public transport, roads, and highways because these features impact how convenient your living will be. Families should consider proximity to schools and other necessities before making a decision. Local areas, including supermarkets, hospitals, parks, and playing activities, balance the quality of life. Moreover, when buying a house, you should consider the crime rate and other local area fees related to safety and security, their development programs and any upcoming projects. All of these factors will ensure that your property gets the maximum value.  Don’t overlook the internal structure Buyers often go for how good the house looks instead of how strong the basics are. Any hidden issue that arises after purchase will cost from your pocket, so it's important to check for missing tiles, leaks, or sagging. In case of any dampness or mould, you should be looking at a bigger problem, so check if the paint is peeling or giving you a musty smell. Another important factor is the size of the cracks in the walls; if they are larger, they indicate costly structural issues. Check the windows and doors to see if they work correctly and if the wood is rotted. Next, examine the plumbing, drainage, and any leaking taps, toilets, and water flow.  Legal considerations when buying a houseHomeowners must know the legal and financial aspects of the property. The first step is ensuring the property is on lease or free. A leased property will require a complete checkup about the length and charges. Another highlight is reviewing the council tax bands, as the higher the bands, the higher the annual cost will be. If you plan to take out a mortgage, consider its affordability carefully. You should also consider stamp duty and other costs, such as the fees, survey, and other renovation expenses. Contacting the local authority could also help you find more details, such as permission to plan, road developments, or tenant disputes.Security and safety should be top priorityA safe home offers peace of mind, so security and safety should be top priorities. The quality of locks and security systems should be checked to ensure that doors and windows have secure locking mechanisms. Fire safety measures should include smoke alarms, carbon monoxide detectors, and clear fire exits. It is a good idea to visit the neighbourhood at different times of the day to get a feel for safety levels and community activity. Checking with local authorities for historical safety concerns can provide additional insights.Assess the property's future growthBuying a house is not just about the physical property but also the long-term financial implications. It is important to assess whether the property is a good investment by reviewing market trends. Researching past sale prices of similar properties and analysing future growth potential can help make an informed decision. Renting out a portion of the house or considering its resale value can also be part of the financial evaluation. Many buyers underestimate additional ongoing costs such as maintenance, repairs, insurance, and potential service charges, which should all be considered before purchasing.How Cribs Estates Can HelpThe property market is challenging, but with Cribs Estates by your side, you can have peace of mind knowing our experts know what to look for when buying a house. We specialise in helping buyers find the right property whilst ensuring all checks are covered. Our team provides expert advice on location trends and investment potential, ensuring we choose an area you will appreciate. We also offer cover property inspections that highlight hidden issues before purchase.Our guidance on legal and financial aspects ensures a smooth transaction, avoiding common pitfalls that many buyers face. We help you secure the best deal, saving you money in the long run. We provide access to exclusive listings that match your requirements, giving you more options than what is available on the general market.Buying a home should be an exciting experience, not a stressful one. With Cribs Estates by your side, you can confidently make the right decision whilst we handle the hurdles. Our team handles the legalities, inspections, and negotiations, allowing you to focus on finding the perfect home. Whether you are a first-time buyer or an experienced investor, we ensure you are safe with us.

Read more

HMO Fire Door Regulations: What Landlords Need to Know

The United Kingdom recently implemented strict fire safety regulations for all Houses in Multiple Occupations (HMOs). The key focus is fire safety compliance, as the government plans to improve tenants' safety whilst minimising the risks associated with fire hazards in a shared living environment. For landlords, it is important to understand why the regulations exist and why failing to comply with safety regulations can lead to penalties, licence cancellations, and even jail time. We have gathered key information you need to know! Let’s start from basics:Why HMO Fire Door Regulations Are Needed?These regulations have more impact than you think. They prevent fire and smoke from spreading and allow occupants to evacuate quickly. Within HMOs, the fire doors will be installed at specific locations set by the Fire Safety (England) Regulations 2022 and the Housing Act 2004, and assisted by the Building Regulations Approved Document B. Landlords have to ensure the doors are installed at:1. The entrances of every unit or bedroom lead to the communal area. This ensures that a fire starting in one unit does not quickly pass on to other spaces.  2. Properties with floors above 4.5 metres from ground level so that fire cannot trap people inside the home. 3. Stairwells and all areas including the multi-storey HMOs that include doors between the rooms and staircases, ensuring that fire or smoke does not block the exit path of running tenants. Specifications of Fire DoorsOften landlords get confused or don’t understand the regulations for door features to ensure they meet compliance with newly applied HMO fire regulations. Let’s make it easy, here are the key points:1. For high-risk, unique properties, the fire doors should withstand a fire for at least 30 minutes (FD30) or even 60 minutes (FD60). The rating will depend on the layout of your property and the assessment. 2. The fire doors within the HMOs must have an auto-close mechanism because the doors that don’t get closed often fail to stop fire from spreading. 3. Fire doors must be installed with intumescent strips that expand in extreme heat, and the edges must be sealed to prevent fire from entering through. 4. Only a qualified professional can install the fire door, which must meet all the legal specifications. A door fitted poorly or with gaps larger than 3mm is considered non-compliant. 5. Clear signage should describe the function of the fire doors alongside them so tenants are fully aware of their value. HMO Fire Door Inspection and Maintenance According to the Fire Safety (England) Regulations, landlords regularly inspect and monitor all doors. This should be done every six months to ensure they work correctly and there is no gap. For high-risk HMOs, a quarterly check is required.A qualified door inspector should assess the doors so that defects like broken seals, wasted closers, or lousy signage can be rectified quickly. Landlords must also remind tenants to keep fire doors closed and report any issues they experience. Regulatory Authorities and EnforcementPlenty of regulatory bodies oversee the HMO Fire Door Regulations, and landlords are responsible for monitoring them. 1. Local housing authorities are responsible for conducting routine inspections and can give notice or make improvements if they see regulations not being followed. 2. As per the Regulatory Reform (Fire Safety) Order 2005, these services can inspect your HMO property any time and even issue notices and suggest actions. Not following these actions will result in penalties. 3. The building control bodies enjoy sure that any property renovation or conversion includes installing fire doors that meet requirements. The Penalties for Non-ComplianceIn case of any failure to meet the HMO fire door regulations, landlords have to face serious consequences such as:Fines worth £30,000 for each non-compliance Cancellation of HMO licenceCriminal proceedings or even jail time Cancellation of property insurance Landlords must be cautious to avoid these, so they must prioritise hiring a professional estate agent to handle all the inspections and manage their property smoothly. How Cribs Estates Can Help Landlords?Cribs Estates specialises in managing HMO property that is compliant with HMO fire door regulations. We ensure proper fire door installations to keep up with inspections and paperwork that landlords are often burdened with due toOur team ensures that your property meets all 2025 fire door regulations, preventing costly penalties and safeguarding tenants. We handle:Fire risk assessments and compliance checksCoordination of fire door installations by certified professionalsRegular inspections and maintenance managementLiaison with local authorities to keep your HMO fully compliantBy entrusting Cribs Estates with your property management needs, you can focus on growing your portfolio whilst we handle regulatory compliance. Contact us today to ensure your HMO meets the latest fire safety standards without hassle.

Read more

Property search

Residential Lettings
Price
Min price
Max price
Number of Bedrooms
Min bedrooms
Max bedrooms
Find properties
x