Buying your first home is a big step and we’re here to make it feel a little less daunting.
If you’re stepping onto the ladder in 2025, here’s your no-nonsense guide to navigating the process.
Step 1: Know Your Budget
Start by getting a mortgage agreement in principle. This tells you (and sellers) how much you can afford — and makes you a more attractive buyer.
Step 2: Find the Right Location
Think long-term. Do you want schools, green space, a short commute? Explore different areas and make a shortlist before diving into viewings.
Step 3: Understand the Costs
Don’t get caught out. You’ll need to budget for:
- Deposit (usually 5–15%)
- Solicitor and legal fees
- Surveys
- Stamp duty (though first-time buyers may get relief)
Step 4: Work with Trusted Professionals
A reliable estate agent and mortgage advisor can make all the difference. We recommend choosing people who communicate clearly and understand your goals.
Step 5: Stay Calm and Ask Questions
No question is too small. Whether it’s about lease terms, local amenities, or what’s included in the sale, knowledge is power.
Need tailored advice? Get in touch with our local experts. They’re happy to talk through your first move.
