Property checks for first-time buyers
Look at the flood, ground and neighbourhood picture before you offer — and before you start paying for searches.
Your deposit, your mortgage and your first home all hang on one decision. Most of the checks that could change that decision — searches, surveys — only happen after your offer is accepted and you’ve started paying a solicitor. A screening report lets you look at the flood, ground and neighbourhood picture first, for £20.
Why it’s worth checking before you offer
Conveyancing searches cost £250–£450 and are paid whether or not the purchase goes ahead. If something turns up late, you lose that money and have to start again. Flood risk is the classic late surprise: it affects insurance, can affect what a lender will do, and stays with the property when you come to sell.
Insurance deserves particular care. The Flood Re scheme helps keep flood cover affordable for many older homes, but it does not cover homes built from 1 January 2009. If you’re buying a newer home, the underlying flood risk matters even more.
What the report tells a first-time buyer
When to use it
- Shortlist. Use the free GOV.UK flood map while browsing.
- Before you offer. Order a screening for the home you’re serious about.
- After your offer. Your solicitor orders the formal searches and you commission a survey.
Questions we get asked
Is the report enough for my mortgage lender?
No. Lenders rely on the searches your solicitor orders and their own valuation. The screening is for you, before you commit to those costs.
Do I still need a survey?
Yes. The report is built from mapped data and says nothing about the condition of the building. A RICS survey looks at the property itself.
Can I check a new-build home?
Yes. You draw the plot on the map, so it works before a new home has an address history. New builds may not have an EPC or sale record on the public registers yet, and those sections will say so.
See the flood & environmental picture for your property
Every open flood source, plus ground, environment, value and context — a plain-English PDF report for the exact plot you draw, for £20.