Viewing a property? Ask the right questions first!
When searching for your dream home, excitement can make you overlook important details. That’s why it’s essential to prepare a list of property viewing questions before your visit. Asking the right questions helps you spot hidden issues, understand the seller’s situation, and make a confident offer.
- Why is the owner selling the property?
This is one of the most telling property viewing questions. If the owner is relocating or downsizing, you may face less pressure. However, if they’re selling due to neighbourhood noise or ongoing repairs, you’ll want to know before committing.
- How long has the property been listed for sale?
If it has been listed for months, there may be a reason — such as overpricing, poor condition, or lack of local demand. You can use this to negotiate a better deal. Credas Financial’s mortgage advisers can help you plan your offer strategically based on current market trends.
- Have there been any recent renovations or extensions?
Ask for paperwork or guarantees for any work done. Poor-quality extensions could cause valuation issues with your mortgage lender, particularly if the necessary permissions weren’t obtained. You can cross-check planning guidance on the UK Government website.
- What’s included in the sale?
Clarify whether fixtures, such as appliances, curtains, or garden sheds, are included in the deal. Knowing this helps you estimate moving and setup costs — often overlooked until the last minute.
- What are the utility bills and council tax costs?
Energy-efficient homes can save you thousands over time. Check the average costs of gas, electricity, and water, and ask about the council tax band. This question is handy for budgeting your monthly outgoings alongside mortgage repayments.
- Are there any known structural or damp issues?
Always ask about the property’s condition. Look for damp patches, cracks, or signs of mould. If anything feels uncertain, request a professional survey before making an offer. MoneyHelper has an excellent guide on different types of home surveys.
- What’s the neighbourhood like?
You’re not just buying a property — you’re buying into a community. Ask about noise levels, nearby schools, public transport, and safety. Visiting at different times of day can also give you a better sense of the area’s vibe.
- Is there potential to extend or remodel the property?
Future planning can be key. Whether you dream of a loft conversion or garden office, it’s good to ask about space for future expansion. Some modifications may require planning permission or affect your mortgage terms, so always confirm with your lender first.
- How old are the boiler, roof, and wiring?
These are big-ticket repair items. A well-maintained boiler or a recently replaced roof can save you significant costs. If the systems are outdated, factor replacements into your budget — it could influence your final offer.
- Have there been any offers already?
Knowing whether there’s competition helps you decide how much to bid. If the property has received offers below the asking price, you may have room to negotiate. Our first-time buyer mortgage guide explains how to position your offer smartly without overstretching your finances.
Final thoughts: Ask confidently, buy wisely
The more property viewing questions you ask, the better you understand what you’re buying — and what you might be inheriting! A confident buyer doesn’t just look at the property; they look beneath the surface. When you’re ready to take the next step, speak to a mortgage adviser at Credas Financial for personalised guidance and smarter property decisions.
⚠️ Disclaimer
The information in this article is for general guidance only and does not constitute financial or insurance advice. Policies vary between providers, and eligibility or coverage may depend on your personal circumstances. We recommend speaking with a qualified adviser at Credas Financial before making any decisions about critical illness cover or related insurance products.