Whether you are buying a property or selling one, it is vital to plan financially. In particular, work up a cash flow plan before you commit yourself to anything so that you know what you have to pay, and when. You certainly don’t want to be taken by surprise with an unexpected expense.

But who pays what?

We list the most common costs and expenses payable by buyers, and then those payable by sellers. Investigate which of them apply to you then plan your finances accordingly.