Can you afford it?

There are various types of mortgages, so you need to work out which is the best option for you. Doing lots of research or consulting with a mortgage advisor will help you to find out which way to go. It’s also worth knowing that, as a first-time buyer, there may be government backed loans or schemes that you’re eligible for. You can find some useful information here: https://hoa.org.uk/advice/guides-for-homeowners/i-am-buying/government-schemes-help-buy-home/

Once you’ve decided on the type of mortgage you prefer, get an Agreement in Principle. If you have pre-approval for a mortgage the seller will have evidence that you’re a serious buyer, giving you a competitive edge over the competition.

What do you need?

Before you look for your new home you need to think about where you want it to be. Look into different areas, and consider factors such as public transport links, amenities, schools, crime figures etc. Go and investigate different places to work out if an area’s on the ‘up’ or if you can envisage yourself living there. Once you’ve pinned down some locations, you need to turn your thoughts to the type of house or flat you’re looking for. For example: How many bedrooms do you require? Are you thinking of starting a family? Are a garden or outbuildings important to you? Do you need a space to park?

Find a good Estate Agent

An experienced and reliable estate agent who understands the local market can help you to find the type of property you’re after and will help to make buying a home a much less stressful process. Property is always in demand, so you want to find one who’ll give you a call as soon as new properties become available. Have a look at online reviews to find the right agent for you. A reputation as a good negotiator would be preferable so that they can help you to secure the best possible deal when you buy.

Don’t rush in

Once you’ve shopped around and found a property you’d like to buy, go back and look at it again, then engage a surveyor to make sure that it’s in good shape. A survey will reveal any potential problems in the property’s condition. It’s not a legal requirement but it could save you money in the long run, or even lead to a renegotiation on the price of the house if any problems are found. Make sure that you use a home surveyor who’s a member of a recognised governing body, such as the Royal Institute of Chartered Surveyors (RICS). You can search here: https://www.ricsfirms.com

Engage help with the legal process

It’s advisable to engage a solicitor to navigate the legal process (conveyancing) of buying a property, and if you are reliant on a mortgage, it’s highly likely that the lender will insist that you do anyway. A legal professional can give you the peace of mind that they know exactly what they’re doing, and you’ll be covered by their professional insurance should any problems arise.

Don’t forget to enjoy yourself!

Finally, remember that although it can be stressful at times, buying your first home is a positive step forward in your life. Hopefully it will be a rewarding process, and you will find the perfect property for you to buy and move into.

Moving in

Once your purchase is done and dusted, we would love to help you move in. 

For a free quote on your move contact us today on 0800 211 8030 or email our team on mail@perryremovals.com