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First time buyer guide

Whether you have bought a house before or are a first time buyer, buying a house is a complex process and there is a lot to consider.

Our guide to buying a house has seven sections that you can follow in order to get a comprehensive understanding of the entire process, from saving to moving into your new house. Or, if you have bought before but need advice on specific aspects of buying a house, just read the section or sections that apply.

Costs of buying a house

Detailed breakdown of the key costs involved in buying; including fees, mortgage repayments and ongoing property running costs so you can create a realistic budget and work out what you can afford.

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Getting a mortgage

Applying for a mortgage; understanding the options available to you beforehand, and what paperwork you need for your mortgage appointment to start the mortgage process.

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Your property search

How to identify the right property and location to get your ideal home. Advice on what to consider before you start your property search.

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Viewing houses

Get the most out of viewings. Prepare before you go to a viewing so you know what to look out for and what to ask.

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Making an offer

Decide if you are ready to make an offer, and how and when to negotiate.

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Instruct a solicitor

Engaging a solicitor or legal conveyancer and what they will do.

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The move

Sorting, packing and organising the move, plus tips to make moving day easier.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

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