Lovelies, hope you all are well.
It’s been a little bit of slog the mere 3 days I have been at work this week. It’s funny how we are all out of kilter after a bank holiday weekend.
But it’s fri-yay and the prospect of another weekend is oh so joyous. Plenty is scheduled for my little internet space, and this is a post thats been hanging out in my draft box for wayyy to long.
There is something really warming about owning your own home. In a generation where many are caught in the renting bubble, it was a relief to be a homeowner, with plenty of years ahead.
1 : Shop for your mortgage
Don’t just settle for what seems like a good deal. Shop around as much as you would for anything else. You’ll be tied into this for atleast 2 years, so you want to make sure you get the best deal possible. As a first time buyer, there will be lost of different incentives and rates avaliable. Take your time and seek advice if needed.
2 : Get plenty of advice
I just touched on this, but seek advice and do not be scared to ask plenty of questions. You are not expected to know what everything means, so google, ask and make sure you know what you are signing up to, before making the final decision. There are plenty of people around that can help and advise you from mortgages, surveys and estate agent jargon.
3 : Save as much as you can
Might seem a little silly, but save save save. There may be hidden costs, as well as those planned, but more expensive than expected. Remember, surveys cost, and can flag up things you may need to address sharpish.
4 : Try and not splurge on the pointless things
It’s all so exciting when you have a new home awaiting for the contracts to be signed and keys released. But hold yourself back from purchasing the pointless and quiet frankly, stupid things, it won’t help you when you have bills to pay and no money.
5 : Wait for most furnshings
A little bit of the above, but ultimately, wait for some of your furniture before you purchase. Again, it may be a little difficult, but you’ll thank yourself in the long run. We purchased many things because we could, and regretted it within months. You won’t know what you will need, or how any room will be arranged till you have lived in it. Hold back and make decisions when you know what will work best.
I could ramble on and on about some of the other nuggets of advice I would give to first time buyers, but overall, its trial and error. Mistakes will be made, and thats all part of life, some are more critical than others. My 1 year old sofa that I detest isn’t excatly the most critical mistake we have made.