Which?’s FREE guide takes you through the process of owning your first home in 5 easy steps.Get my FREE 5 steps to owning my first home guide
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This guide is brought to you by Which? Mortgage Advisers. It breaks down the process of owning your first home into 5 easy, simple steps. You’ll find clear guidance on what to expect and consider as well as some stress-free tips to help you get on the property ladder.
Working out what you can afford will have a big influence on the property you can buy and the area you’re looking to live in. Do your sums and be realistic about what you can afford now, and what you’ll be able to afford in the future
A basic principle to keep in mind is that the bigger the deposit you have, the cheaper the mortgage deal you will be able to get. This is because the more money you have to put towards a house, the less of a risk you pose to a lender
This is an exciting step but there are lots of things to consider when looking at a property- start with researching the area before booking to view properties with local estate agents or housing developers.
If you’ve set on a property, then you’re ready to make an offer but don’t forget some key essentials before making your offer to the estate agent or securing a new build from the housing developer.
Choosing a mortgage is a confusing business, so it can often be worth using a mortgage adviser, but you need to make sure you find an adviser that’s right for you.A good mortgage adviser or mortgage broker will only recommend mortgages that are affordable and suitable for you. They can save you time by telling you which lenders are likely to accept you.