Buying a property is a significant financial decision, often representing one of the most substantial investments in a person's life. The process of buying property involves several steps and considerations, so this guide supplies you with a detailed overview of the key aspects involved in buying property in Brighton, assisting prospective buyers in navigating the complex process and making informed decisions.

Step 1: Research and Preparation

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Step 2: Mortgage Approval

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Step 3: Property Search

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Step 4: Making an Offer

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Step 5: Legal and Conveyancing Process

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Step 6: Exchange & Complete

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Step 7: Moving In

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Step 8: Post-Purchase Considerations

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Our full buying guide broken down

Before diving into the process of buying property in Brighton and Hove, it is crucial to conduct thorough research and preparation. This stage involves various steps, each serving a specific purpose.

Define Your Budget

Start by gaining a clear understanding of your financial situation. Analyse how much you can comfortably allocate as a down payment and consider the option of obtaining a mortgage. If needed, seek advice from financial advisors to establish a realistic budget tailored to your circumstances.

Understand the Property Market

Dive into the current property market trends in Brighton and Hove. Take the time to research factors such as property prices, demand and supply dynamics, and regional variations. This in-depth knowledge will empower you to make informed decisions about the timing and location of your purchase.

Prioritise Your Preferences

Identify the type of property that aligns with your interests and needs. Whether it's a house, bungalow, terraced home, apartment, or commercial space, clearly define your preferences. Additionally, determine the key features that you prioritise, such as location, size, amenities, and proximity to essential facilities.

By following these steps, you can begin to navigate the journey of property buying in Brighton with confidence.

For many property buyers, securing a mortgage is crucial to financing their purchase. One important step in this process is obtaining pre-approval for a mortgage loan from a lender.

Contacting Mortgage Brokers

To find suitable lenders and mortgage options based on your financial situation, consider reaching out to mortgage brokers. They can assist you in comparing interest rates, terms, and repayment options.

Pre-Approval Process

Pre-approval involves a thorough evaluation by a lender of your financial background, credit history, and income. This assessment helps determine the mortgage amount for which you are eligible. Having a pre-approval letter can strengthen your position when making offers on properties.

Once you have established a well-defined budget and obtained mortgage pre-approval, you can commence your pursuit of properties that precisely align with your preferences.

Estate Agents

Estate agents are knowledgeable professionals who assist buyers in locating properties that meet their specific criteria. They possess access to an extensive array of listings and are able to facilitate property viewings.

Online Platforms

Utilise online platforms such as property listing websites and apps to conduct an exhaustive search for properties. These platforms offer a broad selection of options and enable you to refine your search based on your personal preferences.

Property Viewings

Schedule appointments to physically inspect the properties that have piqued your interest. Pay careful attention to factors such as the condition of the property, its location, and its surrounding environment.

Now you have identified a property that piques your interest, the next step is to make an offer. This crucial stage involves careful negotiation and consideration of various factors.

Determining the Offer Price

It is important to decide on an offer price that takes into account factors such as the property's market value, your budget, and the condition of the property itself.

Engaging in Negotiation

Following the submission of your offer, the seller may choose to accept, reject, or counter your proposal. During this phase, it is crucial to negotiate terms such as the sale price, inclusion of fixtures and fittings, as well as the completion timeline.

Offer Acceptance

Once your offer has been accepted, both parties will need to reach a mutual agreement regarding the terms of the sale. This agreement is typically documented in writing to ensure clarity and avoid any potential complications.

The legal and conveyancing process involves the legal transfer of property ownership from the seller to the buyer. This step is crucial for identifying and mitigating any potential legal issues.

Hiring a qualified conveyancer or solicitor is recommended to handle the transaction's legal aspects. Their responsibilities include conducting property searches, thorough contract review, and ensuring a seamless transfer of ownership.

Property searches are conducted to identify any legal problems, outstanding debts, or planning restrictions associated with the property.

Your conveyancer will review the sale contract meticulously, verifying the accuracy of all terms and identifying any potential risks.

The exchange of contracts is a crucial milestone in the process of buying property in Brighton and Hove. It involves signing the necessary legal documents and paying a deposit, marking the business end of the process. It is important to stay on track and avoid falling behind schedule, as the average deal takes approximately 170 days to complete.

During the contract signing stage, both the buyer and seller will sign identical contracts, which will then be exchanged by the solicitors. This step legally binds the sale.

Furthermore, upon the exchange of contracts, the buyer will be required to pay a deposit. The deposit typically amounts to around 5-10% of the property's purchase price.

Completion is the final step in the purchasing process. It entails transferring the remaining funds to the seller and receiving the keys to your new property. The completion date, which is agreed upon in the contract, marks the day when the remaining balance is paid to the seller. Once completion occurs, you will be given the keys to the property, allowing you to move in and take possession of your new home.

To smoothly manage the move-in process, it is crucial to plan ahead and stay organised. Creating a moving checklist, scheduling services and utilities, and planning furniture and appliance placement will help streamline the process. When unpacking, prioritise essentials and approach it room-by-room, checking appliances and systems for functionality.

It is also important to get familiar with the area. Explore local amenities, meet neighbours, integrate yourself into the community, and remember to update your address and registrations. By carefully managing each step of the move-in process with attention to detail, you can ensure a seamless transition into your new property in Brighton.

After purchasing property in Brighton and Hove, there are several important considerations to keep in mind:

Property Insurance

It is crucial to obtain appropriate property insurance to safeguard your investment against various risks such as damage, theft, and unexpected events.

Stamp Duty Land Tax (SDLT)

If the purchase price of your property exceeds a certain threshold, you will be required to pay SDLT to the government.

Utility Transfers

It is essential to transfer utility bills, council tax, and other services into your own name to ensure a smooth transition.


These post-purchase considerations are vital for protecting your investment and ensuring a seamless ownership experience.

To successfully acquire property in Brighton and Hove, it is crucial to follow a meticulous and multifaceted process.

This entails thorough planning, extensive research, and meticulous execution. Numerous factors and challenges must be taken into account at each stage, including setting a budget and navigating legal procedures.

It is of utmost importance to stay well-informed, seek professional advice, and approach the entire process with patience and diligence.

By adhering to our comprehensive guides, you will be equipped with the necessary knowledge and strategies to navigate the complexities of buying property in Brighton and Hove and make a wise investment for your future.