First time buyer guide

Whether you have bought a house before or are a first time buyer, buying a house is a complex process and there is a lot to consider.

Our guide to buying a house has seven sections that you can follow in order to get a comprehensive understanding of the entire process, from saving to moving into your new house. Or, if you have bought before but need advice on specific aspects of buying a house, just read the section or sections that apply.

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Step 1

Costs of buying a house

Detailed breakdown of the key costs involved in buying including fees, mortgage repayments and ongoing property running costs so you can create a realistic budget and work out what you can afford.

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Step 2

Getting a mortgage

Applying for a mortgage, understanding the options available to you beforehand and what paperwork you need for your mortgage appointment to start the mortgage process.

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Step 3

Your property search

How to identify the right property and location to find your ideal home. Advice on what to consider before you start your property search.

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Step 4

Viewing houses

Get the most out of viewings. Prepare before you go to a viewing so you know what to look out for and what to ask.

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Step 5

Making an offer

Decide if you are ready to make an offer and how and when to negotiate.

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Step 6

The move

Sorting, packing and organising the move, plus tips to make moving day easier.

Your property may be repossessed if you do not keep up repayments on your mortgage.

embrace mortgage services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

embrace mortgage services is a trading name of LSLI Ltd, an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.