Buying Guide
Know your budget and criteria

Before choosing a property, make sure you know how much you want to spend and the criteria of what you're looking for. What is the maximum you are wanting to spend? Is there a particular area you would rather purchase in? Do you want a certain number of bedrooms? These are all key points that will help narrow down your search and help you find your ideal home to you sooner.

Start your search

After initially clarifying the budget and criteria, a member of the Crown Home Buying team will recommend a selection of homes and developments that best suit your requirements. They will provide a bespoke handbook with a breakdown of each property, focussing on why it is suitable for your needs. 

Select properties

Knowing your budget and the purpose of buying a property, our team will prepare a handbook of selected real estate for you, including information on recommended projects, property rights, surrounding life, supporting facilities, schools, transportation and estimated rents to assist you to make decisions.


On-site viewings: If you plan to come to the UK to view the developments and properties in person, we will accompany you to the viewings and show you the surrounding neighbourhoods.

Video viewing: If you are not in the UK, we can conduct a video viewing at each development/property and surrounding neighbourhood to give you a better understanding.


After you choose a property and you have ensured all the correct financing is in place to purchase the home, we will negotiate with the developer, on your behalf, to try and get you the best deal and potential discount.

Sometimes, real estate prices can be negotiated with the developer. This discount rate is determined based on the demand for the development, the type of apartment, the degree of competition between buyers and the current market conditions.

Finalise purchase and pay the deposit

Once you have decided on the property/properties you would like to purchase, you will need to make a reservation. A deposit is required (usually between £5,000 and £10,000), to the developer. This deposit will automatically be deducted from the down payment. 

Entrust lawyers to handle house purchase

Different from buying real estate in China, buyers and sellers will not have direct contact with each other when purchasing real estate in the UK. The entire real estate transaction is conducted by the buyer and seller's lawyers, including housing qualification surveys, approval of contracts, contract exchanges and real estate funds transfer. This is the transaction model of the real estate market in the UK, and also the reason why British real estate is trusted by international buyers. We can introduce you to a team of excellent and professional lawyers.

Contract exchange
  • Buying completed properties (properties that are currently available):

The time limit for buying an existing home in the UK is short, and the entire home purchase process is generally completed within 2 months.

If you are buying in cash: After you and your lawyer are satisfied with the property survey results, you need to transfer a 10% down payment to your lawyer, who will exchange the contract with the developer's lawyer within 21 days, and agree on the final delivery date (generally after 2 weeks), the remaining 90% will be paid the same way on the delivery date.

If you are buying with a loan: You need to get the first bank loan before booking. The payment time is the same as above.


  • Buying off-plan properties (properties that are available in a few years):

If you are buying in cash: Buying off-the-plan properties in the UK does not require you to pay the full price when you exchange the contract. Depending on the project and time of delivery, often periodical payment methods are used to purchase off-plan properties, for example, within 21 days of booking, a 10% down payment is required and the contract is exchanged, and the second payment is made within 1 to 2 years after the exchange contract. By the third payment (5-10%), the final payment (70%-80%) must be paid at the time of delivery. In this way, the pressure of currency exchange can be reduced in the short term.

If you are buying with a loan: We advise starting to prepare the loan process 6 to 12 months before the delivery, to ensure a smooth delivery.


If you need a mortgage, we can introduce you to a bank (HSBC, Bank of China London Branch, UOB, etc.). The loan amount given will depend on your financial situation and different banks may ask for different paperwork, for example, a personal tax certificate, or payroll.

Final Steps

After paying the remaining payment, the lawyer will complete the transaction with the developer and you will be able to collect keys. After completing the transaction, the lawyer will pay stamp tax on your behalf and register your property, transferring all the rights of the house to you. Your real estate certificate will be available within 3 to 6 months.

Follow-up Service

After the transaction, we also provide customers with follow-up services, including key collection, check-in, handover, house inspection, furnishing, house leasing, property management, and resale service.

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Area Guide
Preparing your property for sale