A first purchase is easier to assess when budget, representation and checks are clear.
Set a sustainable budget
Include duty where applicable, legal work, reports and moving costs, then retain a cash reserve. Confirm conditional pre-approval and lender requirements. Rental income or future growth should not be assumed to repay a mortgage automatically.
Use the right support
The selling agent represents the vendor. A buyer's agent can represent you, while your legal and credit advisers handle their specialist areas. Obtain contract advice before committing and complete inspections. Current assistance schemes have eligibility and owner-occupancy rules; they are not a substitute for affordability.
