09/09/2026
๐ก ๐ ๐ญ๐ก๐ข๐ง๐ ๐ฌ ๐ฒ๐จ๐ฎ ๐๐๐๐ ๐๐จ ๐๐๐๐จ๐ซ๐ ๐๐ฎ๐ฒ๐ข๐ง๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐ข๐ซ๐ฌ๐ญ ๐ก๐จ๐ฆ๐
1๏ธโฃ ๐๐๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐๐ข๐ง๐๐ง๐๐๐ฌ ๐ข๐ง ๐จ๐ซ๐๐๐ซ
Before you think about properties, understand whatโs coming in, whatโs going out and what you can realistically afford each month.
2๏ธโฃ ๐๐ก๐๐๐ค ๐ฒ๐จ๐ฎ๐ซ ๐๐ซ๐๐๐ข๐ญ ๐๐ข๐ฅ๐
Donโt wait until youโre ready to apply for a mortgage. Check your credit report early so you have time to sort out any mistakes or issues that could affect your application.
3๏ธโฃ ๐๐จ๐ซ๐ค ๐จ๐ฎ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐๐๐ฅ๐ข๐ฌ๐ญ๐ข๐ ๐๐ฎ๐๐ ๐๐ญ
Itโs not just about how much a lender will lend you. Think about what youโre actually comfortable paying each month, alongside your other commitments.
4๏ธโฃ ๐๐๐ญ ๐ ๐๐๐๐ข๐ฌ๐ข๐จ๐ง ๐ข๐ง ๐๐ซ๐ข๐ง๐๐ข๐ฉ๐ฅ๐
This gives you a much clearer idea of your borrowing position and means you can approach your property search with a realistic budget.
5๏ธโฃ ๐๐ฎ๐๐ ๐๐ญ ๐๐จ๐ซ ๐ญ๐ก๐ ๐๐จ๐ฌ๐ญ๐ฌ ๐ฉ๐๐จ๐ฉ๐ฅ๐ ๐๐จ๐ซ๐ ๐๐ญ ๐๐๐จ๐ฎ๐ญ
Your deposit isn't the only money you'll need. Think about solicitor's fees, surveys, mortgage costs, removals, insurance and any work the property might need.
๐ก๐โ๐ ๐๐๐๐๐๐ ๐ก ๐๐๐ ๐ก๐๐๐? ๐๐ก๐๐๐ก๐๐๐ ๐ค๐๐กโ ๐กโ๐ โ๐๐ข๐ ๐ ๐ ๐๐๐๐โ ๐๐๐ ๐๐๐๐ข๐๐๐๐ ๐๐ข๐ก ๐กโ๐ ๐๐๐๐๐๐๐๐ ๐๐๐ก๐๐๐ค๐๐๐๐ .
If buying your first home is something youโre thinking about, even if youโre not quite ready yet, give us a message. Weโre always happy to have a chat. ๐
๐๐จ๐ง๐ญ๐๐๐ญ ๐ฎ๐ฌ:
๐ www.chestertongrant.co.uk
โ๏ธ 01244 526888
โ๏ธ [email protected]
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๐ ๐ฐ๐ถ๐ณ ๐ฉ๐ฐ๐ฎ๐ฆ ๐ฎ๐ข๐บ ๐ฃ๐ฆ ๐ณ๐ฆ๐ฑ๐ฐ๐ด๐ด๐ฆ๐ด๐ด๐ฆ๐ฅ ๐ช๐ง ๐บ๐ฐ๐ถ ๐ฅ๐ฐ ๐ฏ๐ฐ๐ต ๐ฌ๐ฆ๐ฆ๐ฑ ๐ถ๐ฑ ๐ณ๐ฆ๐ฑ๐ข๐บ๐ฎ๐ฆ๐ฏ๐ต๐ด ๐ฐ๐ฏ ๐บ๐ฐ๐ถ๐ณ ๐ฎ๐ฐ๐ณ๐ต๐จ๐ข๐จ๐ฆ.