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13 Jul 2018

5 Things You Should Do Before Buying A House



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Buying a house is a dream for most people. After all, everyone wants a place that they can truly call their own. Unfortunately, as exciting as the journey is, it can also be stressful and incredibly expensive. The process itself is complicated, and there are so many costs that get forgotten until they come to bite you. Because of this, it’s important that you’re as prepared as you possibly can be. With that in mind, here are five vital things you need to do before you buy a house of your own. 

Figure Out Your Finances


A home is one of the most costly purchases you’ll ever make, so it’s crucial that you figure out your finances and consider every cost before you even start to look at properties. Although your mortgage will cover most of the price of the house, there are legal fees, inspections, and a deposit that you need to pay for yourself. Because of this, you should go through your income and expenses and find ways to save up the money you need. 



Work With The Professionals


Real estate can be complicated and confusing, so, unless you’re a professional yourself, you’re going to need to have some help along the way. This means researching and finding experienced conveyancing lawyers, real estate agents, and surveyors. Make sure you take some time finding the right professionals for you, as they will really make a difference. If you know someone who has recently bought a house, then ask them if they have any recommendations.

Understand What You Want


Realtors are there to help you find the house of your dreams, but they can’t do this unless you tell them what you want. After all, they’re not mind readers. Because of this, you need to sit down and write a list of everything you want out of your new property before meeting with your estate agent. Once they have this information, they should be able to suggest a few houses that you’d like. Just try to be flexible, as it might not be possible to meet all of your wants and needs. 

Address Any Credit Issues


Being accepted for a mortgage is usually the difference between you owning and house and staying in the rental market. There are lots of reasons why you may get turned down for a mortgage, but a bad credit score is one of the most common. Because of this, it’s vital that you address any issues with your credit score and try to increase it. Paying off your debts and registering on the electoral roll will help with this. 


Do Plenty Of Research


Overthinking is never a good thing when looking at properties, but, at the same time, you shouldn’t be too impulsive. Never put in an offer as soon as you’ve seen a house, as this could be a huge mistake. Instead, you need to take some time to think about your options and do plenty of research. You should also go back for a second and third viewing at different times of the day. You may feel completely differently about the property once you’ve seen it in a different light. 




Buying a house is a massive commitment, so make sure that you’re prepared, and follow the advice above. 


What do you look for when buying a home? Let me know in the comments below.






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5 Things You Should Do Before Buying A House


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