Now you know what you can afford, and that you can get a mortgage.
Now it’s time to start looking for a house to buy.
Take time and write a list of the areas that you want to live in. If you are moving to an area you don’t know, discuss with a local estate agent who can advise on the best areas, and even specific streets to look at to match your requirements.
Register on the main property portals and setup your personal property alerts.
It is also helpful to write a list of your property requirements, how many bedrooms, do you want off street parking? Does it need to be within walking or driving distance to a place of work or school? Do you need a safe enclosed garden for young children or family pets?
Do you like new or older properties?
The more you think about what you want the easier it will be. Don’t worry if you don’t know yet, view some properties and develop your list as you go. You will soon learn what you like and don’t like, and what are essentials and what you can live without.
You will have to consider the pros and cons of buying new against a resale property that’s years old. Have a look at our info on the benefits of a new home .
Why not view both and see how you feel?
There is lots of things to consider when viewing house, make sure you have a keen ear and ascertain how keen the seller is, look around the neighbours. Read out guide to make sure you are well prepared.
Once you have found the perfect property, you then need to decide how to bid for it. Do you put in a high offer to clinch it, and risk wasting money? Or a low offer and risk losing your dream home? What are the best tactics to ensure you get the perfect property at the best possible price?
After your offer has been accepted, now you have to submit a full mortgage application which requires a few more details form our decision in principle you originally received, read our guide on your application and surveys,