Journal · 7 min read
Your first home: a calm, step-by-step guide
From saving a deposit to collecting the keys — everything first-time buyers should know.
1. Know your budget
Most lenders offer around four to four-and-a-half times your household income. Use our mortgage calculator to see what monthly repayments would look like.
2. Get an agreement in principle
A lender's agreement in principle shows sellers you're serious and tells you exactly what you can borrow. It usually takes minutes online.
3. View with a checklist
Look past the furniture. Check light, storage, water pressure, signs of damp and the condition of windows. Visit at different times of day.
4. Offer, survey, complete
Once your offer is accepted, instruct a solicitor and a surveyor. Completion typically follows 8 to 12 weeks later.
