Top Five Things To Consider When Buying Your First Home

Top five things to do when buying your first homeTop Five Things to consider when buying your First Home

The excitement involved in purchasing your first home can be overwhelming. Once you’ve made the decision to try to buy it’s very easy to get carried away. Before you do though, keep these simple tips in mind and you’ll soon realize the more you plan, the easier it will be.

1. Calculate, Calculate, Calculate

There is nothing more important than getting your numbers right when it comes to buying a house. You need expert advice to ensure you aren’t attempting to borrow beyond your means and the help of an independent financial advisor is often recommended. The buying process includes many additional charges and costs so if you’ve just scraped together your deposit with little to spare it’s worth holding out until you’ve got a little more of a buffer.

2. Honesty Matters

It’s common sense that your potential mortgage lender are going to check your credit rating. It’s one of the first things you should check yourself before even considering the mortgage application process. Any evidence of bad credit may be able to be explained away through explanatory notes within your application but the cleaner the better is really the best way to go.

Other concerns may be to do with employment, if you’re in a new job or self-employed you are likely to need a reference or several years of audited accounts. The more honest you are the better your chances will be, as long as you have checked your eligibility criteria of course.

3. Do your Research

The map will become your best friend as you begin to decide where you might like to move. If it’s an area you know well then maybe the map will be irrelevant but visiting the property you’ve chosen regularly will help. It won’t necessarily mean going in and checking out the interior but seeing the area at all times of day is really useful to get a real feel for it.

You need to know your priorities in terms of location and consider the key necessities of your chosen area. Do you need to be in a particular catchment area? Is walking distance to the town center important to you? The clearer your image the better.

4. Start with the Dream

If you imagine your absolute dream property you have a good benchmark. It’s very unlikely you’ll get your exact dream home but this is the best place to start. Certain elements like gardens and the necessity of a garage or off-street parking can be set in stone. The more essentials you have the shorter your shortlist will be.

5. Be Flexible

Now you’ve got your dream in mind think about the compromises you’ll accept. Your budget will play a key role in this and although you may have really wanted one thing in one area you may find better value and something even better nearby. Flexibility may open up a whole world of possibilities you’d never considered. Maybe a beautiful local park is more appealing than the large garden you originally wanted.

First-time buyers have a whirlwind of emotions to deal with and it’s easy to let stress take control. Instead keep these tips in mind and the process should go much more smoothly.

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