House Viewing Checklist
Viewing potential homes is a significant step in the property-buying process, especially for first-time buyers who may be unsure of what to look out for. Even if you’ve done it before, it’s easy to overlook critical details when you’re excited about a property’s apparent charms. That’s where a thorough house viewing checklist comes in. By taking the time to assess a property—both inside and out—you can make a more informed decision, anticipate potential costs, and avoid expensive surprises later on. In this article, we’ll walk you through a comprehensive checklist of what to examine and what questions to ask when viewing properties in the UK.
1. Why Thorough Viewings Are Essential
Before we dive into the specifics, let’s talk about why a systematic approach to viewing a house is so important. A home is often the largest purchase you’ll ever make. Whether it’s a starter flat or a forever family home, you’re committing significant time and money to this property. Missing small but crucial details—like a leaky roof or an outdated electrical system—can lead to headaches (and big repair bills) down the line.
Key Benefits of a Detailed Checklist
- Avoid Costly Surprises: Spot potential problems early, like damp, structural issues, or faulty wiring.
- Compare Properties Objectively: A uniform checklist helps you assess each property on the same criteria, making it easier to compare afterwards.
- Inform Your Mortgage Decisions: If you anticipate major repairs or renovations, you’ll want to budget accordingly. A mortgage broker can help you understand how such costs might affect your borrowing limits.
- Negotiate with Confidence: If you notice issues, you can use them as leverage when negotiating the purchase price.
2. Exterior Assessment: What to Look For
The outside of a property can reveal a lot about its overall condition. Start by taking a slow walk around the building and its immediate surroundings.
2.1 Roof Condition
- Missing Tiles or Slates: Gaps in the roofing can lead to leaks and damp.
- Sagging or Uneven Surfaces: May indicate structural issues in the roof supports.
- Gutters & Downpipes: Check for blockages, leaks, or signs of rust—water damage can be costly to repair.
2.2 Windows and Doors
- Double Glazing: Well-fitted double-glazed windows offer better insulation and reduce energy costs.
- Condensation Between Panes: This could indicate that seals are failing, which may require window replacement.
- Rot or Damage: Wooden frames are prone to rot if not maintained. Look for cracks, peeling paint, or spongy surfaces.
2.3 Drainage & Damp
- Ground Sloping: If the land around the property slopes towards the house, water may pool near the foundation, leading to damp.
- Damp Proof Course: In many UK homes, there should be a clear damp proof course (a horizontal layer of waterproof material) near ground level to prevent rising damp. Check if it’s visible and intact.
- Standing Water: After rainfall, puddles near the house or garden areas might indicate drainage problems.
2.4 Neighbourhood Surroundings
- Noise Levels: Pay attention to road traffic, train lines, or flight paths. Visit at different times to get a better sense of the area.
- Parking Availability: Check on-street parking restrictions, resident permits, or the availability of a driveway.
- Local Amenities: Are there schools, shops, parks, or public transport links nearby if those are important to you?
Pro Tip: Take photos or jot down notes as you go. This information will be invaluable when comparing properties later.
3. Interior Assessment: Room-by-Room Checks
Once you’re satisfied with the exterior, move inside and take a methodical approach. Go room by room, noting any issues, and don’t hesitate to ask the estate agent questions along the way.
3.1 Damp and Cracks
- Damp Patches or Mould: Look in corners, behind curtains, near skirting boards, and around windows. Musty smells can also indicate concealed damp.
- Hairline vs. Significant Cracks: Hairline cracks are often cosmetic, but larger horizontal or diagonal cracks may signal structural problems.
3.2 Plumbing and Electrics
- Water Pressure: Turn on taps and showers to check pressure and drainage. Low pressure can hint at plumbing issues.
- Boiler Age and Condition: Ask when it was last serviced. Old or poorly maintained boilers could need replacing.
- Fuse Box/Circuit Breakers: Modern fuse boxes are safer and more efficient. If the electrical system appears outdated, an upgrade could be expensive.
3.3 Energy Efficiency
- Insulation: Ask about loft or cavity wall insulation. A well-insulated home can significantly reduce heating bills.
- EPC Rating: Every UK property on the market should have an Energy Performance Certificate (EPC) with a rating from A (most efficient) to G (least efficient).
- Heating System: Check radiators for leaks or rust, and find out if the property has a thermostat or a smart heating system.
3.4 General Condition
- Floors and Carpets: Look for uneven flooring or damaged floorboards. Loose or squeaky areas may need attention.
- Windows and Doors: Check if they open and close smoothly without sticking. Listen for draughts.
- Storage Space: Adequate storage is often overlooked but can be a major selling point if you have a lot of belongings.
4. Lifestyle Considerations
Beyond structural and functional checks, you’ll want to make sure the property aligns with your daily life and future plans. Think about how you’ll actually live in the space.
4.1 Natural Light and Layout
- Window Orientation: South-facing windows tend to receive more natural light throughout the day.
- Open Plan vs. Separate Rooms: Consider whether you prefer defined rooms or a more open, free-flowing layout.
- Room Proportions: Does the living room feel cramped? Is there enough space in the kitchen for a dining table or an island?
4.2 Noise Levels
- Neighbouring Properties: If you share walls, floors, or ceilings, consider potential noise from next door.
- Road Noise: If you’re near a busy road, check how well the home is insulated against traffic noise.
4.3 Future Flexibility
- Family Plans: If you’re expecting to grow your family, does the property have enough bedrooms and outdoor space?
- Work-From-Home Needs: A dedicated office space can be a must for remote workers.
- Pets and Outdoor Areas: Ensure the garden (if any) is secure and large enough for your pets.
5. Legal Documents and Permissions
Sometimes, a property may have extensions, loft conversions, or other modifications that enhance its space and value. However, it’s essential to verify that all such changes have been done legally and with the correct permissions.
5.1 Planning Permissions and Building Regulations
- Extensions: Check if documentation is available for any additions. Lack of proper permissions could become your responsibility down the line.
- Loft Conversions: Loft conversions should meet fire safety and structural regulations. Ensure they’ve been inspected and signed off by the local council.
- Listed Buildings or Conservation Areas: If you’re looking at a listed property, any changes typically require special consent. This can limit your renovation options.
5.2 Seller’s Property Information Form (SPIF)
During the conveyancing process, the seller will fill out a SPIF disclosing known issues like boundary disputes, notices from local authorities, and other key details. Though you might not see it at the initial viewing, keep in mind that any concerns you spot during a viewing should eventually align with this document.
6. Post-Viewing Questions: Clarify with the Seller or Estate Agent
Once you’ve completed your assessment, it’s time to address any uncertainties. Here are some questions that can fill in the gaps:
- How Long Has the Property Been on the Market?
If it’s been listed for a while, the seller might be open to negotiation. - Why Are They Selling?
While the seller isn’t obligated to give you a detailed answer, it can offer insight into how motivated they might be. - Any Previous Offers Fallen Through?
If yes, ask why. It could point to survey issues or contract complications. - Included Fixtures and Fittings?
Confirm if appliances, curtain poles, or built-in furniture come with the sale.
7. How a Mortgage Broker Can Help
Even the most thorough viewing can bring up questions about the financial impact of repairs or upgrades. That’s where a mortgage broker comes in. They can:
- Estimate Borrowing Limits: If you’re considering a property that needs work, you’ll want to know how this might affect your mortgage affordability.
- Identify Specialist Lenders: Some lenders offer mortgages tailored to properties requiring renovations or energy-efficiency improvements.
- Provide Ongoing Advice: A broker can guide you through the entire buying process, from securing a mortgage in principle to dealing with survey results and final negotiations.
8. Conclusion
A solid house viewing checklist is your best defence against hidden issues and overlooked details. By paying attention to everything from the roof down to the boiler, you’ll build a clear picture of a property’s condition, potential costs, and suitability for your lifestyle. Don’t forget to ask the right questions post-viewing, and lean on a mortgage broker for advice on how any repair or upgrade costs might influence your borrowing strategy.
Download our free viewing checklist or contact us for more personalised property advice!
