Tips for Buyers

Buying a house will most likely be the biggest purchase of your life and so one of the most important decisions of your life. Small mistakes can lead to pricy consequences!

So, with care for you in mind, we’ve drawn a list of tips to help you:

1 – Be Sure that You Want to Buy

There is great appeal in owning your own house. But buyers need to first pause and seriously consider whether they are ready for the purchase.

Buying a house is a long-term investment but you can only afford it if you are able to:

  • Get a mortgage for enough to buy your chosen house;
  • You can afford the monthly mortgage payments;
  • You can arrange a deposit or a guarantor


2 – Know the True Costs of Buying

Buying a home will almost certainly cost more than you think. Here’s what you should consider:

  • Legal fees: depending on the house price, conveyancing charges can be at least £500-£800
  • Stamp duty: for properties over £125,000, you will have to pay stamp duty on the purchase price (1st time buyers pay stamp duty on property purchases over £300,000)
  • Mortgage arrangement fee: mortgage lenders will likely ask you to pay an arrangement fee of around £1,000. Make sure to check if this is refundable or you may not get it back if the purchase falls through
  • Valuation fee: lenders will likely charge you for a valuation to check the property exists and that it offers sufficient security for the loan. Expect around £300.
  • Surveys: these can be £400-£700. Be aware that you may have to pay for multiple surveys due to some purchases falling through
  • Removal costs: paying to have your stuff moved can be from £100-£1000 depending on the amount moved and distance
  • Home repairs: be ready for unexpected property maintenance
  • Furniture and decorations: now that you have your property, you’ll need to turn it into your home


3 – Be Careful Borrowing the Maximum

Keep a budget in mind before searching for a house and don’t immediately trust lenders telling you that you can afford more. You need to make sure you can easily make the mortgage payments.


4 – Boost Your Credit Score

Make sure you have the best credit score you can have before looking for mortgages.


5 – Get to know the Neighbourhood

Make sure you like the environment you’re moving into. Visit at different times of the day, knock and ask neigbours for opinions, check out the local shops, streets and parks.


6 – Get Home Insurance Quotes Before Buying

Make sure suitable cover is available before you make the final plunge.


Register With Us

Finding your next dream home can be exciting but it will most definitely also be very time consuming. But you have no need to worry. Tell us what you’re looking for in your next home and we’ll do all of the hard work for you. After you’ve registered with us you can put your legs up and relax and wait for an e-mail/text confirmation from us once we find the perfect home for you.
Whether you’re looking to rent or buy,

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Free Valuation

Finding out how much your property is worth is the first step in selling or letting your property. Or you may just want to know how much your house is worth. A Ryan Baker Estate Agents property professional will be delighted to come to your property at the most convenient time for you to give you an accurate and free valuation.

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With almost a decade of expertise in property and two decades in finance, you can be sure you will be provided with a professional, respectful and, most importantly, a personal service as you make your next big life decision.

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