Steps to buying a house in Scotland

We are proud to offer mortgages provided by HalifaxThe house buying process in Scotland is different to the rest of the UK. Our helpful guide breaks the process down in to seven key steps, and takes you through what happens in each of these steps. If you are buying a house in the rest of the UK you can view the home buying process on the Halifax website.

Your home may be repossessed if you do not keep up repayments on your mortgage.

1. Apply for an Agreement in Principle


Firstly, you’ll need to find out how much you could borrow based on your income, outgoings and other financial commitments.

You can apply for an Agreement in Principle (AIP) on the Halifax website. There is no charge for this and no obligation to take out a mortgage.

Apply for an AIP

2. Appoint a solicitor and start to view properties


In Scotland, solicitors are responsible for submitting the offer and negotiating and checking the contract, so you’ll need to appoint a solicitor before you start viewing properties. View properties within your budget and request a Home Report for the ones you are interested in.

Find out more

3. Make a formal offer


If you want to proceed after seeing the Home Report, let your solicitor know and they can make a formal written offer for you.

4. Had an offer accepted?


If your offer is accepted the seller’s solicitor will issue a qualified acceptance, which confirms the seller has accepted your offer along with any conditions if applicable.

If you have had an offer accepted book an appointment in a Bank of Scotland branch to talk to one of our mortgage advisers and complete your full mortgage application.

Request an appointment