Guide to Documents Needed When Buying a House
1. ID and proof of address
2. Title deeds
Title deeds confirm you own the property. They also give information about previous owners. Most Land Registry records are digital, so you won’t receive a physical copy of these documents. However, your solicitor can provide written proof that you’re the ‘registered proprietor’ within a month or two of completion.
3. Mortgage deed
If you take out a mortgage to buy your new home, you’ll receive a mortgage deed. This document outlines your mortgage terms and conditions, including the amount borrowed, interest rate and monthly repayments.
4. Property Information Form (TA6)
The Property Information Form (TA6) includes details about gas and electricity and who’s responsible for boundary fences. The seller must legally complete this form and provide all the supporting evidence they can, including everything you may need to know. If they exclude any information, you can claim compensation.
5. Fittings and Fixtures Form (TA10)
The Fittings and Fixtures form (TA10) details what the seller will leave in the property, from light fittings, curtains and flooring to white goods and garden plants.
6. Solicitor report
The solicitor report summarises the legal title and property search results.
A warranty proves your seller has been responsible for repairing any damage. If your new property is a new build or under 10 years old, you’ll receive a copy of your Buildmark (NHBC) and any other new home policy documents.
8. Insurance policies
Two types of home insurance are available for home buyers:
9. Indemnity insurance
Indemnity insurance protects you against the potential costs of repairing damages to the property.
If you request one, a surveyor will conduct a building survey of your property. The report includes necessary and potential repairs and alterations.
11. Energy Performance Certificate (EPC)
An Energy Performance Certificate (EPC) is required by law. It gives your home a rating from A to G (A being the most energy efficient), estimates carbon dioxide emissions and includes potential energy-saving improvements.
12. Stamp Duty receipt
Stamp Duty tax applies to leasehold and freehold properties and land over £250,000 in England. If you’re a first-time buyer, you’ll be exempt from paying Stamp Duty unless your new home costs over £425,000. In this case, you’ll pay 5%.
13. Servicing records
Your boiler is an essential home appliance. Whether you suspect it’s broken, damaged or want reassurance, ask the seller to provide you with the gas safety certificate for the last 12 months (if it isn’t included in the Property Information Form).
14. Building work guarantees
The seller should give you guarantees for any building work they’ve conducted in the house. These are typically valid for 10 years.
15. Other guarantees
Your seller should also share guarantees for anything they’ve left on the property. This includes new appliances, new boilers and woodworm treatments. They should provide you with the FENSA Certificate if they installed double-glazed windows.