A little over a year ago, Aaron & I moved into our very own home! I can’t believe we’ve owned our own house for over a year! Only 29 years left until we are mortgage free, woo hoo!
Be Realistic- Don’t go in expecting to buy a five bedroom house, with 3 bathrooms and a huge garden when you know for a fact you aren’t going to get the mortgage to support it, or don’t earn enough for the monthly mortgage payments. You’ll just end up feeling dejected and pissed off! Go in with a realistic idea and everyone will be happy!
Work Out The True Cost- It isn’t as easy as getting a mortgage, picking up the keys and everything’s a done deal. You have to factor in Estate Agents fees, legal fee’s and survey’s. Buying a house doesn’t come cheap and being approved for your mortgage is only the beginning.
Scope Out The Neighbours & Surrounding Area- Now i’m not saying you should start rooting through the neighbour’s rubbish or peeping through the windows, but make an effort to meet the people you could potentially be living next door to. You don’t want to move in and find out the neighbours are a bunch of rowdy so-&-so’s who have the police round every other week. You also want to find out about the area you are living in. Think about local transport, nursery’s and schools that are nearby.
20 Questions With The Estate Agent- Ask as many questions as you damn well like! I actually had a look online at the types of questions you should be asking, i’ve never bought a house before so I honestly didn’t have a clue what types of things I should know or would need to know.
Ask how many viewings has it had? Has it had any offers made? How long has it been on the market? What is included in the sale? (people actually rip light fittings out when they are moving!). You don’t want to buy a house & then suddenly find out that it has been on the market for one year, with three offers & they’ve all pulled out. Looks a bit dodgy..
Don’t be afraid to ask!
Don’t Rush Or Panic- Don’t get yourself worked up in you aren’t getting anywhere. If you’ve been viewing 10 houses and haven’t found the right one, that’s fine! Buying a house isn’t something anyone should rush into. You’ll end up regretting your decision and thinking you’ve made a huge mistake.
Buying your first home, or buying a new home, is one of the most exciting things you’ll ever do!