Tips For Buying Your First Home

Buying a first home is a serious milestone in our lives which alongside getting married

and having kids is confirmation that you have in fact entered the realms of adulthood with no turning back. It is also the biggest financial commitment most people will make in a lifetime.

You suddenly have mortgage payments, bills, neighbours that will be around for the foreseeable future and DIY questions you have never before considered to suddenly plague you at night.

With this in mind, it is only right that such a life changing decision should require some serious thought and consideration. When buying a home, it's easy to let emotions get in the way of reality, or get sudden amnesia about factors that may make a difference. It is easy to ignore something that on first appearances is a minor aesthetic problem when you have your heart set on something.

This is a particularly prevalent tendency for first home owners, when after all the years of scrimping and saving for a deposit then begging for a mortgage you are finally at the final hurdle and have a house within reach.

You've already pictured your furniture in there, decided what colour you're going to paint it and planned your house warming party. However, it is vital that you step back and make sure you have covered all the details and checked anything that could have an effect on your house in the future.

Arguably, the most important consideration is getting the building surveyed. Astonishingly, as many as 80% of purchasers do not commission an independent building survey or house survey. Although an expensive thing to have done, it is absolutely vital as your dream home may not seem so attractive when you discover you have dangerous structural damage. A few thousand pounds up front may save a lot more in the long run. A building survey will almost certainly draw your attention to defects that you didn't know existed or the seriousness of which you may not have appreciated.

These defects may require considerable immediate or future expenditure, or in the extreme make a property virtually impossible to sell. Suddenly a modest investment in a building survey or homebuyer report becomes money well spent, on average our structural survey house survey and building survey clients save around 4,000 pounds on the purchase price.

It is worth doing your research and finding a reputable well known building surveyor in your area and checking costs. As I said before, every penny spent upfront now could save you not just money but potentially your home in the future so invest some time in doing your research.

by: john mce

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