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Using Estate Agents: Buying, Selling and Renting

Find an estate agent. Know what to check.

Impartial, plain-English information about choosing an agent, understanding fees and checks, protecting your money and complaining when buying, selling or renting.

Start with the agent finder and direct estate-agent websites below, then compare local branches, written fees and services. These are starting points, not recommendations.

Find an estate agent

Estate-agent directory and direct providers

Find an estate or letting agent

Estate and letting agents handle sales or rentals for their clients. The links below lead to an agent directory or an estate agency’s own website, not a housebuilder or a property-advertising portal.

Property portals are different: Rightmove, Zoopla and OnTheMarket advertise property from other businesses; they are not the estate agent handling your sale or tenancy. Developers build and sell new homes. Check which business you are dealing with.

Sixpence Support UK has no referral or commercial arrangement with any agent. Listings are not endorsements; fees, services, branch coverage and availability vary.

Know who does what

What estate and letting agents do

  • Estate (sales) agents act for sellers. They usually suggest an asking price, prepare photographs, floor plans and the advert, arrange viewings, pass on offers and keep the sale moving with buyers and solicitors.
  • Letting agents act for landlords. Services range from “let only” (finding and referencing a tenant) to full management (rent collection, repairs, inspections and deposits).
  • Buying agents are paid by a buyer to search for and negotiate on a property. They are less common and charge their own fee.
  • Online or hybrid agents often charge a fixed fee, sometimes payable upfront whether or not the property sells, and may expect you to host viewings yourself.

An agent is not a solicitor, surveyor or mortgage adviser. Legal work, surveys and mortgage advice are separate services, which you can choose independently.

Compare before you sign

Choosing and comparing agents

For sellers and landlords, invite two or three local agents to visit. Compare on more than price:

  • Recent sales or lets of similar homes in your street or area, and how long they took.
  • The total fee in pounds including VAT, not just a percentage, and what it covers.
  • Contract length, notice period, and whether a fee is owed if a buyer introduced during the contract buys later.
  • Who will do viewings, how often you will get updates, and who your named contact is.
  • Membership of a redress scheme and, for lettings, client money protection and any required licence or registration.

Be cautious of an agent who suggests a much higher asking price than others without evidence. An inflated price can win the instruction but leave a home unsold and lead to price reductions later.

Buyers and tenants do not choose the agent, but can still check the branch's redress scheme and reviews from more than one source.

Questions to ask

Useful questions for an agent

  • How did you arrive at this price, and which comparable sales or lets support it?
  • What exactly is included in your fee, and what costs extra?
  • Is this sole agency, sole selling rights or multiple agency, and how do I end the contract?
  • Do you earn referral payments from solicitors, surveyors or mortgage brokers you recommend?
  • Which redress scheme are you in? For lettings: which client money protection scheme and deposit scheme do you use?
  • For buyers and tenants: what fees or deposits will I be asked to pay, when, and are they refundable?

Ask for the answers in writing, by email if possible, so you can compare agents fairly and keep a record.

Choose carefully

Checking an estate or letting agent

  • Compare more than one agent's service, local knowledge, fees, contract and complaints process.
  • Check which government-approved redress scheme covers the branch: The Property Ombudsman or Property Redress Scheme.
  • For lettings, check any licensing, registration and client-money rules that apply in your nation.
  • Confirm the branch address and telephone number independently before sending money or identity documents.

The agent normally acts for the seller or landlord, even when helping a buyer or tenant. Sixpence Support UK has no referral or commercial arrangement with any agent.

Know the difference

Agent valuations, mortgage valuations and surveys

  • Agent's market appraisal: an estate agent's opinion of a likely asking price. It is usually free and is not a check on the building's condition.
  • Mortgage valuation: arranged by the lender to decide whether the home is suitable security for the loan. It is for the lender, not a full inspection for you.
  • Survey: an independent inspection you can commission from a qualified surveyor to report on condition and possible problems. You can search for regulated firms through the RICS firm finder.

Scotland: sellers normally have to provide a Home Report, which includes a survey and valuation, before marketing most homes — see mygov.scot buying a home. Elsewhere in the UK, buyers usually arrange their own survey.

How it usually works

Selling, buying and renting step by step

Selling

  1. Get appraisals from more than one agent and compare written terms.
  2. Choose a solicitor or conveyancer early and gather documents such as guarantees and certificates.
  3. Arrange the required energy performance certificate and, in Scotland, the Home Report.
  4. Agree the advert details and check them for accuracy before they go live.
  5. Consider offers with the buyer's position (chain, mortgage, deposit) in mind, not only the amount.

Buying

  1. Work out your budget, including legal fees, survey, moving costs and any property tax.
  2. Get a mortgage agreement in principle if you need a loan, and register with local agents.
  3. View more than once if you can, and ask about anything not shown in the advert.
  4. Make an offer, then instruct your own conveyancer and arrange a survey.

Renting

  1. View the home in person, or by a live video call with someone you trust present.
  2. Ask in writing what you must pay, when and to whom, before handing over money.
  3. Read the tenancy agreement, inventory and deposit details before signing.
  4. Record the property's condition with dated photographs on moving in.

GOV.UK publishes plain-English guides for England: How to sell a home, How to buy a home and How to rent. Processes differ in Scotland, Wales and Northern Ireland.

Selling

Seller contracts, sole agency and fees

Read the agency agreement before signing. Check whether it is sole agency, sole selling rights or multiple agency; how long it lasts; how to end it; and whether a fee might still be due after it ends.

Ask for the commission or fixed fee, VAT, marketing costs, withdrawal charges and any referral payments in writing. Keep the agreement and do not accept verbal changes.

Buying

Offers and linked services

Make offers clearly, preferably in writing, and ask for written confirmation that they were passed to the seller. In England and Wales an accepted offer is not normally legally binding until contracts are exchanged; Scotland and Northern Ireland follow different processes.

You do not have to use an agent's suggested broker, conveyancer or surveyor. Ask whether the agent receives a referral fee and compare independent options.

Identity checks

Proof of funds and anti-money-laundering checks

Agents may need to check identity, address, source of funds and whether a buyer can proceed. Ask what is required, why, how documents will be protected and how long they will be kept.

Proof of funds is not the same as paying the agent. Never transfer a deposit or purchase money because of an unexpected email. Confirm changed bank details using a trusted telephone number.

Viewings

Access and accessibility needs

Tell the agent about access or communication needs when arranging a viewing. Ask about steps, lifts, door widths, parking, bathroom access and whether another format or a video viewing is available.

Do not rely only on photographs or floor plans for measurements that matter. Ask permission before taking photographs and arrange a second visit where needed.

Renting

Deposits, holding deposits and fees

Before paying, get the property address, amount, purpose, refund conditions and recipient's legal name in writing. Tenancy deposits should be protected under the rules for the nation where the home is located.

In England and Wales most tenant fees are prohibited and holding deposits are controlled, but the detailed rules differ. Scotland has separate letting-agent regulation and tenancy rules. Northern Ireland has its own deposit scheme and fee rules. Use the nation-specific official guidance before paying.

Your money

Client money protection

In England, a letting or property-management agent that holds client money must belong to an approved client money protection scheme. Wales requires safeguards through the agent licensing system; Scotland has its own registered-agent rules; Northern Ireland differs.

Ask whether the agent will hold your money, where it will be held and what protection applies. Client money protection and tenancy deposit protection are different safeguards.

Avoid scams

Warning signs and safe payments

  • A price far below similar local properties or pressure to pay before viewing.
  • A person who will communicate only through social media or messaging apps.
  • A request for cash, cryptocurrency, gift cards or payment to an unrelated name.
  • Copied photographs, an address that cannot be verified or refusal to provide written terms.
  • Changed bank details sent by email shortly before payment.

If money may have been sent to a scammer, contact the bank immediately. Report fraud to Action Fraud in England, Wales and Northern Ireland, or Police Scotland on 101 in Scotland.

Complaints

The agent and redress schemes

  1. Complain to the branch in writing and follow its complaints process.
  2. Keep the contract, advert, messages, receipts and a timeline of events.
  3. Ask for a final response and identify the agent's redress scheme.
  4. If unresolved, check the time limits and eligibility rules for The Property Ombudsman or the Property Redress Scheme.

Citizens Advice can explain consumer options. Our Letter Support service can help you organise a complaint letter.

Across the UK

Check the rules where the property is

  • England: use GOV.UK guidance on tenant fees, deposit protection, redress and client money protection.
  • Scotland: check the letting-agent register and Code of Practice through mygov.scot; home sales commonly involve a Home Report and missives.
  • Wales: check a landlord or agent on the Rent Smart Wales register and use Welsh guidance on permitted payments.
  • Northern Ireland: use nidirect estate-agent guidance and its separate tenancy-deposit information.

Sources and disclaimer

General information only

This page gives general UK information, not legal or financial advice. Property and renting law differs across England, Scotland, Wales and Northern Ireland and can change. Check the current official guidance for the property's nation and get independent advice about your circumstances.

References
  1. [1] GOV.UK. Buying a home · 2026
  2. [2] GOV.UK. Registering with a redress scheme as a property agent · 2026
  3. [3] GOV.UK. Tenant Fees Act guidance for tenants · 2026
  4. [4] GOV.UK. Client money protection for property agents · 2026
  5. [5] The Property Ombudsman. Make a complaint · 2026
  6. [6] Property Redress Scheme. Consumer complaints · 2026
  7. [7] Rent Smart Wales. Public register · 2026
  8. [8] nidirect. Estate agents · 2026

Before signing or paying

Before signing

Read the contract, total fees, minimum term and cancellation terms.

Before paying

Confirm the recipient and bank details independently, and keep a receipt.

Impartial

We do not recommend agents or receive referral payments.