17/09/2026
🏡 5 things every first-time buyer needs to know
1. Check your credit score
A healthy credit history can help you access more mortgage options.
2. Get a Mortgage Agreement in Principle
It gives you an idea of what you could borrow and shows sellers you’re serious.
3. Know your budget
Work out what you can comfortably afford, not just the maximum a lender may offer.
4. Research the area
Look at prices, transport, schools and what’s important to you before making an offer.
5. Budget for buying costs
Remember to factor in solicitor fees, surveys, mortgage costs, moving expenses and Stamp Duty where applicable.
🔑 Save this for when you’re ready to buy!