Buying your first home is an exciting milestone - but it can also feel overwhelming. From finances to viewings, there’s a lot to think about before you even make an offer. At Collinson Hall, we work with first-time buyers every day, so we’ve pulled together some practical advice to help you approach the process with confidence.
- Get Mortgage Advice Early
Before you start booking viewings, it’s essential to understand exactly how much you can borrow. Speaking to a mortgage advisor early on will give you a clear idea of your budget, monthly repayments and any upfront costs such as deposits and fees.
Having a mortgage agreement in principle not only helps you search realistically - it also shows sellers that you’re serious and financially prepared.
Expect for your ability to purchase to be checked by the agent. This is a part of their process. Having everything ready will give confidence in you as a purchaser.
- Get Everyone’s Paperwork Ready
If you’re buying with a partner, friend or family member, make sure everyone involved has their paperwork in order. This typically includes proof of ID, proof of address, income details and deposit evidence.
Delays often happen when documents are missing or inconsistent, so being organised from the outset can save time and stress once you find the right property.
- Put the Estate Agent to the Test
A good estate agent should be knowledgeable, proactive and transparent. Don’t be afraid to ask plenty of relevant questions, such as:
- Why is the property being sold?
- What’s included in the sale?
- Is there allocated parking with the property?
- Are the vendors buying another property?
The more informed you are, the better decisions you can make.
- Ask How Properties Are Marketed
Not all properties sell the same way. Some homes may be promoted through off-market opportunities, applicant databases, social media or targeted marketing, not just on the main property portals.
Ask your agent how they market properties and make sure you’re registered on their applicant list, so you’re alerted to suitable homes as soon as they become available - sometimes before they even go live online.
- Understand the True Costs of Buying
Beyond the purchase price, first-time buyers should budget for additional costs such as:
- Solicitor and conveyancing fees
- Surveys and valuations
- Mortgage arrangement fees
- Moving costs
Stamp Duty rules can vary, so it’s worth checking what applies to your situation to avoid surprises later.
- Don’t Skip the Survey
Even if a property looks perfect, a survey can uncover issues you might not spot during a viewing. From minor repairs to more serious structural concerns, a survey helps you understand what you’re buying - and can give you leverage to renegotiate if needed. There are different types of survey. Talk to the agent and they can advise you about the most appropriate type for the property you are buying.
- Be Ready to Act -But Don’t Rush
The market can move quickly, especially for well-priced homes. Being prepared means you can act decisively when the right property comes along. However, never feel pressured into making an offer you’re not comfortable with - it’s important that the home is right for you both now and in the long term.
Final Thoughts
Buying your first home should feel exciting, not intimidating. With the right preparation, expert advice and a proactive estate agent on your side, the process can be far smoother than you expect.
If you’re a first-time buyer looking for guidance, the team at Collinson Hall is here to help - from your first viewing to picking up the keys.
Contact the team at Collinson Hall who would be happy to help. Contact us
