Whether you’re a first-time buyer or not, it always helps to compare mortgage quotes. You’ll want to know you’re getting the best deal for you and your situation. Shop around – the best option is to seek advice from an Independent Financial Advisor (IFA) as they have access to all lenders unlike banks who generally only show you their own products which can be more expensive.

Using a good solicitor is paramount to your purchase. Some online conveyancing companies can be very difficult to contact as you are communicating with a computer and not a human being. A good solicitor will take on many responsibilities, from organising the sale set up such as searches, contracts to dealing with your funds. Vendors and Buyers can email you a breakdown of solicitor costs for you. Simply call or email us, tell us your budget and you will receive a list of good solicitors showing you exactly to the penny what their costs will be with the budget you supplied.

There are many types of insurance required for any house buyer. You will need to look at the following insurances: home buyers protection insurance, buildings insurance and contents insurance. Again, you can talk to your IFA who will be able to offer you a selection of providers and costs.

Packing all your belongings into boxes for the move is both time consuming and exciting at the same time. It’s important to source and compare costs to ensure you get the best deal!

Once you take possession of your new home, you may think that the only outgoings you will have are your mortgage and insurance monthly payments but there are other bills for you to budget in too. Such as utility bills, council tax, TV license and TV packages and personal monthly spends such as food, petrol etc.

You’ll want to make a house a home. So, ensure you’ve factored any redecoration and new furniture into the budget too.