How to Buy Your First Home Without a Realtor

Here’s a simple, step-by-step guide to buying your first home without a realtor.

1. Understand Why You’re Buying

Start by getting clear on your why. Are you buying as an investment, for your family, or to stop renting? Your goals will shape what type of property to buy, where to look, and what compromises to make.

2. Get Pre-Approved for a Mortgage

Before you look at homes, talk to banks or mortgage brokers and get pre-approved. This shows sellers you’re serious and gives you a clear budget. Compare offers, interest rates, and terms from multiple lenders.

Pro Tip: Don't just get prequalified—get pre-approved with a formal letter.

3. Research the Market

Look up listings on popular real estate websites like MagicBricks, 99acres, NoBroker, or local listing portals. Pay attention to:

Average prices in the area
Property taxes
Local amenities
Future infrastructure developments

4. Narrow Down Neighborhoods

Focus on 2-3 locations that fit your needs. Visit at different times of day to check traffic, noise, and safety. Talk to locals if you can. Consider proximity to work, schools, hospitals, and shopping.

5. Start Visiting Homes

Use online platforms to schedule viewings directly with the seller or their representative. Ask the right questions:

How long has the property been on the market?
Why are they selling?
Are there any known issues?

Take pictures and notes during each visit—you’ll thank yourself later.

6. Do a Legal & Technical Check

Before you make an offer:

Verify property ownership documents
Check for any legal disputes
Ensure clear title and encumbrance certificate
Review building approvals, occupancy certificate, and RERA registration (if applicable)
Hire a legal expert to review the documents

Bonus Tip: Consider a property lawyer or conveyancer for peace of mind—it costs less than a realtor and protects your interests.

7. Get a Home Inspection

Hiring a certified home inspector is crucial. They’ll check structural integrity, plumbing, electrical systems, and more. You don’t want surprises after you move in.

8. Make an Offer

Based on your research and inspection results, make a fair but strategic offer. Negotiation is key—be respectful but firm. Always make your offer in writing, subject to legal and financial checks.

9. Draft a Sale Agreement

Once the offer is accepted, draft a sale agreement outlining:

Final price
Payment terms
Possession date
Penalties for breach
Any agreed repairs or conditions

This agreement is typically prepared by your lawyer and must be registered.

10. Close the Deal

At closing:

Pay stamp duty and registration charges
Sign the sale deed in front of a sub-registrar
Collect all original documents
Ensure utility services (electricity, water, etc.) are transferred to your name

Should You Buy Without a Realtor?

Buying without a realtor isn’t for everyone, but it is doable if:

You’re willing to put in the research
You have access to a legal advisor
You’re confident in negotiation

The biggest benefit? You control the process—and you save money.

Final Thoughts

Buying your first home without a realtor can feel intimidating at first. But with the right information, tools, and a bit of determination, you can handle the process like a pro. Just remember to stay organized, do your homework, and get professional help where it really matters—especially legal and financial advice.