Build the foundations
Set a savings target that includes the deposit and purchase costs. Review your credit history, stabilise regular spending and keep evidence showing where the deposit came from.
Search with a clear brief
Separate essential requirements from preferences and investigate the local area as carefully as the property. Running costs, tenure and planned works can change affordability.
- Ask what is included in the sale
- Check lease length and service charges where relevant
- Visit at different times if possible
The legal and mortgage process
Your conveyancer checks title and searches while the lender completes underwriting and valuation. Consider an appropriate survey before committing. Do not treat the purchase as certain until contracts are exchanged.