Buying your first home is one of life’s most exciting milestones – but it can also feel overwhelming if you’re not sure where to start. At David James, we’ve helped countless first-time buyers take their first step onto the property ladder, and we’re here to guide you every step of the way. Here’s everything you need to know to make your journey as smooth and stress-free as possible.
Get your finances in order
Before you start house-hunting, it’s important to understand what you can afford. Speak to a mortgage advisor or lender to get an Agreement in Principle – this will give you a clear idea of your budget and show sellers that you’re a serious buyer.
Know what you’re looking for
Think carefully about what matters most to you. Do you need two bedrooms or three? A garden? Parking? Proximity to schools or public transport? Make a list of your ‘must-haves’ and ‘nice-to-haves’ to help narrow down your options and focus your search.
Start your property search
Once your budget is set, it’s time to start looking. Register your details with us and set up alerts on property websites to stay up to date with the latest listings. Don’t be afraid to view a few different homes – it’ll help you get a feel for the market and clarify what you really want.
Make an offer
When you find the right property, you’ll need to make an offer through the estate agent. They’ll present your offer to the seller and handle the negotiation. If your offer is accepted, it’s time to formally apply for your mortgage and instruct a solicitor to begin the legal process.
Survey and searches
Your lender will usually arrange a basic valuation, but it’s worth considering a more detailed survey to uncover any potential issues. Your solicitor will also carry out searches to check for things like planning restrictions or environmental risks.
Exchange and complete
Once everything is in place – mortgage approved, legal work completed, and contracts signed – you’ll exchange contracts with the seller. At this point, the purchase becomes legally binding. Completion typically happens a few days later, when you’ll receive the keys and officially become a homeowner.
At David James, we’re proud to support first-time buyers with friendly advice, local knowledge, and expert guidance. If you’re ready to begin your journey, we’re here to help you every step of the way.
