Buying a property is a huge decision, which is why you want to get it right. In addition to the commitment you are making, usually at least 25 years of paying a mortgage, you also want to buy a home that represents a solid investment and somewhere you can be happy for many years.

One of the first considerations should be whether buying a home is the most suitable option for you. As house prices continue to increase, it may be tempting to just buy any property so that you are on the housing ladder. However, buying a property that requires lots of work, or isn’t suitable for your requirements, is a big mistake. You should also consider whether you can really afford to buy a property, which is why seeking advice from a mortgage advisor is a sensible step. As they are CeMAP trained, they will be able to go through your options with you.

If you are a first-time buyer, look at the various schemes available to help you buy your first home. The schemes may be able to save you some money, help with finding a deposit and even assist you in buying a brand new house.

Before committing to a mortgage, add up the total cost of buying a home, which includes the application fee, valuation fees, legal fees, removal costs, legal fees, stamp duty, and a property survey. This can add up to thousands before you have your keys, so make sure you have enough money saved to cover the extras.

Seek advice before you start your hunt for a home, so that you know exactly what you’re looking for.

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