Guidance, not advice

Home Buying Steps provides general information and self-help guidance about the home-buying process in the UK. It is not legal advice, financial advice, mortgage advice or tax advice, and nothing in the app creates a professional or fiduciary relationship.

What that means in practice

• Your solicitor or conveyancer is the person qualified to advise you on the legal side of your purchase. If anything in Home Buying Steps seems to conflict with what they tell you, follow your solicitor.
• Only an FCA-regulated mortgage adviser or lender can advise what you can borrow or which product suits you. Home Buying Steps never assesses affordability and never collects financial information.
• Tax (SDLT, LTT, LBTT) depends on your personal circumstances — confirm what you owe with your solicitor or HMRC / the relevant tax authority.

Country-specific guidance

The process differs between England, Wales, Scotland and Northern Ireland. Home Buying Steps shows guidance for the country you select at onboarding. If you selected the wrong country, fix it in Settings — guidance for one nation can be misleading for another.

Typical durations are typical, not promises

Stage durations shown in the app are broad, typical ranges drawn from general experience of the process. Your purchase may be faster or slower for entirely normal reasons.