What Should a Buyer Check Before Signing a Property Purchase Agreement?

 

Buying a property is one of the most important financial decisions a person will make. Before signing the purchase agreement, it is essential to carry out a thorough due diligence process to avoid unpleasant surprises and potential legal or financial issues.

Below are the key aspects every buyer should examine before proceeding with a property purchase.

1. Legal Due Diligence of the Property Title

Legal due diligence is arguably the most important step in the purchasing process. A qualified real estate lawyer should verify that:

• The seller is the lawful owner of the property.
• There are no mortgages, liens, encumbrances, or seizure orders affecting the property.
• There are no pending legal disputes involving the property.
• The property can be legally transferred without restrictions.

Failing to carry out this legal review could result in significant financial and legal consequences.

 

2. Urban Planning and Building Compliance

It is essential to confirm that the property fully complies with urban planning and building regulations.

Check whether:

• There are any unauthorized constructions or extensions.
• Any building irregularities have been legally regularized in accordance with current legislation.
• The approved architectural plans match the property's actual condition.

This inspection is typically carried out by a licensed civil engineer or architect.

 

3. Land Registry Verification

Before completing the purchase, verify that:

• The property is correctly registered with the Land Registry or Cadastre.
• The property's boundaries and legal description are accurate.
• There are no pending corrections or registration issues that could affect the transfer of ownership.

Proper registration significantly reduces the risk of future ownership disputes.

 

4. Energy Performance

A property's energy efficiency directly affects both its running costs and its long-term value.

Request to review the property's Energy Performance Certificate (EPC) and obtain information about:

• Its overall energy efficiency.
• The quality of insulation.
• The heating and cooling systems.
• Potential energy-saving improvements that may be required in the future.
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5. Outstanding Financial Obligations

Before signing the contract, make sure there are no outstanding financial liabilities associated with the property, such as:

• Unpaid condominium or maintenance fees.
• Outstanding utility bills.
• Municipal taxes or charges.
• Tax-related obligations connected to the property.

Verifying these in advance helps prevent unexpected expenses after the purchase.

 

6. The Property's Physical Condition

Do not rely solely on photographs or first impressions.

Carefully inspect:

• The electrical and plumbing systems.
• Any signs of dampness or mold.
• The structural condition of the building.
• Windows, doors, and insulation.
• The condition of the roof or terrace, where applicable.

If necessary, arrange for a professional technical inspection by a qualified engineer.

 

7. The Location and Future Prospects

A property's value depends not only on the building itself but also on its location.

Consider factors such as:

• Public transportation.
• Schools and essential services.
• Local commercial activity.
• Planned infrastructure developments.
• Property value trends in the surrounding area.

A desirable location can significantly increase the long-term value of your investment.

 

8. All Purchase-Related Costs

In addition to the purchase price, buyers should budget for additional expenses, including:

• Property transfer tax.
• Notary fees.
• Legal fees.
• Engineering or surveying fees.
• Land Registry and registration costs.
• Real estate agency commission, where applicable.

Proper financial planning helps avoid unexpected costs during the purchasing process.

 

Conclusion

Purchasing a property requires careful planning and comprehensive due diligence before signing the final contract. Working with experienced professionals—including real estate agents, lawyers, and engineers—helps ensure a secure transaction while protecting your investment.

At Casa Futura, we guide our clients through every stage of the buying process, offering reliable advice and personalized solutions. Through our network of specialized partners, we provide access to experienced lawyers who focus exclusively on real estate law, offering comprehensive legal support, title verification, and professional guidance throughout every stage of the transaction. Our goal is to ensure that every property purchase is completed with transparency, security, and complete confidence.