He just loves to feature on the ‘gram 🐶 Isn’t it so lovely to have some bright and sunny mornings, apposed to those drizzly ones! 
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It’s monday again and boy was my weekend a mixed one. Rhodie had a walk and a groom on Saturday. We also spent a solid 3 hours on sorting out our number plates being stolen! Not what we wanted to be doing. Sunday we managed to get our wardrobes delivered and I am over the moon to finally have hanging space and some organisation going on upstairs. But that didn’t come without its troubles, including ripping two thirds of my nail off whilst trying to lift a heavy box. I’m now unable to finish any of the building and unfortunately that falls down to my husband 🙈
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How was your weekend? As eventful as mine turned out to be? 
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Evening in with my boys 🥰 Takeaway on order, fl Evening in with my boys 🥰 Takeaway on order, fluffy blanket layers and candles on. I do love a Friday night ✨How are you kicking off the weekend?
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We have too many styling pieces for the little sur We have too many styling pieces for the little surfaces we currently have 😂🙈 This is one of the very first purchases we made for the new house - a gorgeous industrial shelving unit. It works soooo well with our already bought living room furniture and will look amazing once we paint 🙌🏻 Do you think that’s my favourite saying, because that’s all I keep saying 😂 Done with these bland white walls! 
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The same but different 🏡 Still trying to find p The same but different 🏡 Still trying to find places for everything. It’s just a heck of a lot of shuffling when moving isn’t it🌿 

Still very much in love with our rustic dining table from next as we were when we bought it a couple of years ago! And thankfully we managed to get 4 more matching chairs 2 years later, since we no longer have our booth! Perfectly compliments our new kitchen diner! I keep saying it, but we just need colour now! 
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No transformation Tuesday here this week, but hope No transformation Tuesday here this week, but hopefully next!🤞 We still have a 5 day wait until our wardrobes are delivered and that’s our biggest set back at the mo. Both bedroom 2 & 3 are full of clothes and unpacked boxes 📦 As daft as it may sound, getting these new wardrobes should be a real relief and the turning point for our upstairs! 
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Aside from that, we still have lots of pieces to shop for our lounge and bedroom! If only that’s what I could do all day rather than work, ay! Where’s your favourite place to shop furniture? I’d love to hear your recommendations 🙌🏻
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It’s a good morning Monday from me 🌊 The beau It’s a good morning Monday from me 🌊 The beautiful Sunday sunshine certainly made up for the drizzle we had on Saturday. We soaked up the sunshine and of course the sea breeze, trying to get out of the house, within reason ofcourse. We strolled up and down the seafront several times yesterday and Rhodie was well and truly knackered after. 
I hope you all had a lovely weekend, and a even better week. I myself am so excited for next weekend as it means we finally get our bedroom furniture, including the hotly anticipated wardrobes 🙌🏻
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Transformation Tuesday #2 in our new home 🌿 The Transformation Tuesday #2 in our new home 🌿 The garden! 
Thankfully we managed to get it done pretty quickly much to our delight. Having a puppy and 20 odd patio slabs for him to do his business on got pretty tedious pretty quickly! 
Now to start the garden planning - I’m actually looking forward to getting green fingered this spring! 👩‍🌾
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How much coffee is too much coffee for a Monday?☕️ Asking for a friend 🙈 Today we get our garden turfed and boy am I excited to see green outside our patio doors and a patio that isn’t littered with dog poo or wee! 
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Frosty walkies ❄️🧣Brrrr it’s bloody cold Frosty walkies ❄️🧣Brrrr it’s bloody cold out there. Minus 1 on our afternoon walk! But Rhodie LOVED it! Met lots of pooches and very much knackered from tumbling in the frost! 
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WFH Lunch breaks consist of carpet reads and coffe WFH Lunch breaks consist of carpet reads and coffee 📚 Determined to smash my 2021 reading target and where better to start than with The Killer Across the Table. What you starting your 2021 reading with? 
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Charlotte – Nichole

27/06/2018 Interiors•New Home•Selling & Buying

The Ins and Outs of buying your first property


The idea of buying your very first home is a huge deal. That’s been drilled into us since its considered a huge and rather valuable investment. Whilst buying a property may not be something for everyone, nor be achievable for many, it should not be down played as huge accomplishment, especially in this current property climate.


Your hard earned cash is being put into a property that will one day completely be your own. How awesome is that!

Whether the investment becomes your retirement income, or something to leave to your family, its something of a financial safety net as so to speak. 

Whilst the rental market has a ‘black mark’ against it, it’s no surprise many of us consider buying before renting. Buying your very first property is something for a large consideration and whilst I have informed you of the ‘real costs of moving‘, whether from one property to another or your very first, I’ve tailored this post for those looking at their very first property.

Here’s everything you need to know, going alone, with your partner or friend, and the real in’s and out’s of property ownership. 

Knowing What To Expect

Buying a property isn’t as cut and dry as you may think. There is a lot to be said for purchasing a property, whether it be your first or ninth. You will need to be prepared mentally for the challenge. Chances are, it will be a long and possibly overdrawn process, and that’s not even considering the time it takes you to save. Mortgage applications and property purchases can take months to go through, so this is something to consider, and be aware of.

Saving

Next up, you need to start saving. And this can take years! You will often need 5-10 percent of the property value in savings as your deposit. And this can be overwhelming when you’re looking at somewhere that costs £200,000! But if you’re really determined to buy your own place, unfortunately it is the process in order to get you your own home. Consider things like help to buy equity loans and saving help if you are really struggling to find the cash. Be aware, the equity loan however, can only be used on a new build property.

Searching

Now you’ve pooled in the funds, and prepared yourself, you’re going to want to start the property search. And trust me, it’s not as easy as you may think. Whether you are purchasing through help to buy or not, finding a house can be a long process.

Really make sure you leave yourself enough time to find, and don’t put too much pressure on yourself. Purchasing your first home will by no means be your forever property, however, choosing a sensible property now can save you cash in the long run. Consider your future desires and if you can, purchase a property that will give you the scope to live there for a pro-longed  period. 

Extra Costs

I have done a whole post on the real costs of buying and / or moving home so I have all the details in that one. But the long and short of it, there will be extra costs when it comes to property purchases. With property solicitors, surveys, and more, it’s good to have a buffer. It’s a really good idea to have some extra cash, aside from your deposit so you’re not stuck when extra bills and costing arise. 

Renovating

The final consideration is any changes that you want to make to the property you end up buying or considering. If you are buying a new build, then hopefully you won’t have to do any work, just a lick of paint here and there.

However, an older, more tired property will need a little more TLC. It’s a good idea to factor in not only the renovation costs, but the time it takes to do it too. Before putting in an offer, be sure to add the overall costing to your outgoings. Whilst some of the work maybe something that is done later down the line, it’s a cost that will effect how much money you will make on the property in the long run. Consider this also when putting in offers, as money you can save now, will pay off massively when it comes to selling the property later on. 

Hopefully this little post has helped those first time buyers considering their first property. Remember not to rush into anything and always ask questions if terminology or problems arise that you’re not clued up on. Get all in information you need when it comes to mortgages and make sure you are not over committing to something that can potentially apply financial strain.

Property purchases are a ball ache, but they are totally worth the hassle in the end!

Are you purchasing your first property? 

Do you have any advice for First Time Buyers? 

As always, let me know in the comment section below. 

Charlotte x

 

home home move home owner

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