How to Get Purchase Ready in 2026: Your Essential Guide to Buying a Home

How to Get Purchase Ready in 2026: Your Essential Guide to Buying a Home

February is a pivotal month for property. As the days lengthen, many start dreaming of a new home. If you're serious about buying this year, now's the time to get organised and become a 'purchase-ready' buyer.

1. Get Your Finances Straight First

Before you book viewings, before you fall in love with a house, and definitely before you start scrolling Rightmove at midnight, speak to a mortgage broker. We're not talking about a quick online calculator or a guess; we mean a proper conversation.

You need:

✔ An agreement in principle.
✔ A clear understanding of your borrowing limit.
✔ A breakdown of your potential monthly payments.
✔ Clarity on your deposit position.

If you're a first-time buyer, this is even more crucial. Sellers want confidence. When we present an offer, the first question is always about your position. If you can show you're organised, you'll be taken seriously. If you need an introduction to a solid broker, just ask.


2. Sort Your Deposit and Paperwork

This often catches people out.

Make sure your deposit is:

✔ In an accessible account.
✔ Not tied up in notice accounts.
✔ Not sitting in five different pots.

If any of your deposit is a gift from family, speak to them now. Lenders will want proof, and solicitors will want paperwork. Leave it too late, and you'll create unnecessary stress.

Have the following ready:

✔ Photo ID.
✔ Proof of address.
✔ Proof of deposit.
✔ Recent payslips or accounts if self-employed.

When the right house comes up, speed matters.


3. If You Have a Property to Sell, Be Honest About It

This is the big one. If you need to sell before you buy, you are not 'proceedable' until your house is under offer.

That doesn't mean you can't look, but it does mean you need a plan. Get your home valued. Understand what it would realistically sell for, not just the dream price, but the price that genuinely attracts buyers.

Spring is competitive. If you're ahead of the curve and launch your property properly, you give yourself options. We always say this to sellers: preparation beats panic.


4. Understand the Local Market

Not all areas move at the same pace. In Earley, Woodley, and parts of Reading, well-presented 3-bed homes in the right price range still attract strong interest, especially from families.

Detached homes in the £500k to £750k bracket need to be priced correctly to create competition. Flats can sometimes take longer to sell.

You need to know:

✔ How long homes are typically taking to sell.
✔ What they are actually achieving, not just what they are listed at.
✔ What buyers are currently competing over.

This knowledge stops you overpaying and also prevents you from missing out by hesitating.


5. Be Clear on What You Want and What You Can Compromise On

This sounds simple, but it's where emotions often creep in.

Ask yourself:

? Do I need three bedrooms, or do I just want three bedrooms?
? Is a separate dining room essential, or just nice to have?
? Would I consider extending in the future?

The buyers who move smoothly are the ones who understand their non-negotiables. Everything else is flexible.


6. Think About Your Timescale

Are you:

✔ Trying to move before the summer holidays?
✔ A first-time buyer with no chain?
✔ Upsizing because of school catchment areas?

Your timescale affects your strategy. If you're in a chain, you'll need patience. If you're chain-free, you're in a powerful position. Sellers love clean, straightforward positions.


7. Mentally Prepare for Competition

Good homes don't sit around forever. If a property is well-presented, well-priced, and in a strong location, there may be multiple viewings and more than one offer. That's normal.

The strongest buyers:

✔ Act quickly.
✔ Communicate clearly.
✔ Show they are organised.
✔ Do not play games.

If you want the house, be decisive.


Final Thought

Spring will bring more stock; it always does. But it also brings more buyers. If you're even thinking about moving this year, use February to get yourself ready. Quiet preparation now puts you in control later.

If you want to sense-check your position, understand what you could afford, or talk through the local market, we are here. No pressure, just honest advice and a proper plan. We're a family-run, independent agency, and we're here to help you move forward.

Want a head start on new listings before they hit the portals? Register here for our Heads Up Property Alerts.


Get in touch with us

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