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Viewing a property is exciting, but it’s also your opportunity to look beyond the décor and decide whether the home is right for you. While a mortgage valuation or survey may identify certain issues later, spotting potential concerns during a viewing can help you ask the right questions before making an offer. From signs of damp to the condition of the roof, taking a careful approach can help you make a more informed decision. In this guide, we’ll explain what to look for when viewing a house and the questions worth asking.
Take your time and don't feel pressured into making an immediate decision.
Look beyond decoration and focus on the property's condition and layout.
Ask questions about the property's history, running costs and any recent work.
Consider the surrounding area as well as the property itself.
A viewing is not a substitute for a professional survey.
How HTG Mortgages Can Help
At HTG Mortgages, I work with over 120 lenders across the UK, meaning we have access to a wide range of mortgage products to suit all types of borrowers. Whether you’re a first-time buyer or looking to remortgage, we can help you determine how much you can borrow and find the right mortgage for your circumstances.
We also provide ongoing support, regularly checking your options after your mortgage is secured, ensuring that you never miss out on a lower rate.
How Should I Prepare Before a House Viewing?
Before attending a viewing, think about what’s most important to you. Consider your budget, commuting requirements, local schools, parking, outdoor space and any features you can’t compromise on. Having a checklist can help you compare properties more objectively.
What Should I Look for Inside the Property?
While cosmetic issues are often easy to fix, it’s worth paying attention to things such as:
- Signs of damp or mould
- Cracks in walls or ceilings
- Windows that don’t open properly
- Uneven floors
- Water stains
- The age and condition of the kitchen and bathrooms
These observations don’t necessarily indicate serious problems, but they may be worth asking about.
What Should I Check Outside?
The outside of the property can tell you just as much as the inside. Look at:
- The condition of the roof
- Gutters and drainage
- Brickwork
- External cracks
- Fences and boundaries
- Driveways and parking
Major repairs can sometimes involve significant costs.
Speak to an expert
Whether you’re buying your first home, moving house or remortgaging, HTG Mortgages is here to make the process as simple and stress-free as possible. I’ll compare mortgages from over 120 lenders, guide you every step of the way and help you find the right mortgage for your circumstances.
What Questions Should I Ask the Estate Agent?
Some useful questions include:
- Why is the property being sold?
- How long has it been on the market?
- Have there been any previous offers?
- What’s included in the sale?
- Are there any known issues with the property?
- How old is the boiler?
- Have any major improvements been carried out?
The answers can help you build a better picture of the property.
Should I Visit the Area More Than Once?
Yes. Visiting at different times of the day can give you a better understanding of traffic, parking, noise levels and the local neighbourhood. What’s quiet on a weekday morning may feel very different on a Friday evening.
Can I View a Property More Than Once?
Absolutely. Many buyers arrange a second viewing before making an offer. This gives you the chance to look at anything you may have missed and take measurements if needed.
Does a Viewing Replace a Survey?
No. A viewing is simply your opportunity to assess whether the property appears suitable for your needs. Only a professional survey can provide an expert assessment of the property’s condition, and mortgage lenders may also carry out their own valuation.
What Happens If I Like the Property?
If you decide the property is right for you, the next step is usually making an offer through the estate agent. If your offer is accepted, you’ll move on to the mortgage application, valuation and legal process.
Need Personal Mortgage Advice?
Every buyer’s situation is different. While this guide explains the general rules, the right mortgage for you depends on your income, deposit, credit history and future plans. If you’d like tailored advice, I’m here to help, with whole-of-market coverage.
