Buying your first home is one of the biggest (and most exciting) decisions you’ll ever make…
But in the middle of viewings, offers, and emotions, it’s easy to miss the important questions.
At Oak Mortgages, we always say: 👉 The right questions don’t just protect you — they can save you thousands.
So whether you’re viewing your first property or getting ready to make an offer, here are the 20 essential questions every buyer should ask.
1. Why is the seller moving?
This can reveal how motivated they are — and how flexible they might be on price.
2. How long has the property been on the market?
If it’s been listed for a while, dig deeper.
👉 It could mean:
- Overpricing
- Issues flagged in surveys
- Previous buyers pulling out
3. Have there been any offers?
You may not get exact figures, but even hints can guide your offer strategy.
4. What price would the seller realistically accept?
This can save you time and potentially thousands.
5. Is there a chain?
Chains = delays and risk. No chain = smoother, quicker purchase.
6. Have the sellers found their next home?
If not, your timeline could be uncertain.
7. What’s the area really like?
Don’t just rely on the listing — do your own research.
Visit at different times if you can.
8. Are there any planned developments nearby?
That “perfect view” could change quickly — always check local plans.
9. Is the property freehold or leasehold?
A key detail that affects ownership, costs, and future value.
10. Have any major works been done?
And were they signed off properly?
Missing paperwork can cause delays later.
11. What’s included in the sale?
Fixtures, fittings, appliances — never assume.
12. Are there any neighbour issues?
Noise or disputes can seriously impact your enjoyment of the home.
13. What are the running costs?
Ask about:
- Council tax
- Energy bills
- Service charges
14. What’s the water pressure like?
Check taps and showers — small detail, big difference.
15. How’s the broadband and mobile signal?
Essential for modern living (and working from home).
16. How old is the boiler?
And when was it last serviced?
Replacements can be costly.
17. Are there signs of damp or structural issues?
Fresh paint can sometimes hide problems.
Always follow up with a survey.
18. Which way does the property face?
This affects natural light, heating, and garden use.
19. How old is the property?
Older homes can mean more maintenance — but also more character.
20. What’s the EPC rating?
Energy efficiency = future running costs.
Final Tip: Don’t Rely on One Source
Estate agents should be honest — but they don’t always know everything.
👉 Always:
- Do your own research
- Get a survey
- Use a trusted solicitor
Thinking About Buying?
Whether you’re a first-time buyer, moving home, or exploring your options…
At Oak Mortgages, we help: ✔ First-time buyers ✔ Clients with complex income ✔ Those with credit blips ✔ Buyers who’ve been declined elsewhere
📩 Get in touch for a free, no-obligation chat