Advice for first time buyers

Owning your first home is one of the most exciting times in one’s life and most definitely the costliest. It is very easy to get carried away with your ‘wish list’ and you can lose sight of what you are able to afford/lend.

If there is one bit of advice we can give you – it would be not to go to the first bank or building society, as they tend to offer you their own products ONLY. Instead seek an IFA, which is an independent financial advisor who can show you a wealth of lenders depending on your affordability and personal circumstances. The initial consultation should be free.

Therefore, we ask you to please seek professional advice and do not go for the first company/lender you speak to. You will be amazed at the variation in lending from one provider to the next.

Do your own due-diligence, speak with your friends and family and see what, if any, experiences they had both positive and negative. It is very tempting to be guided towards an estate agents ‘in-house’ IFA and conveyancing – but please note – you do not have to use them. Try to stay independent and not have all your eggs in one basket!

Call us on 0333 987 3115 for a private, informal chat and see what we can offer you at a fraction of the cost of our competitors.

Our step-by-step guide

Talk to the experts
Can’t find an answer to your question? Get in touch with our friendly team of experts – we’re always happy to help.