First Time Buyer Checklist

Buying your first home is one of life’s biggest and most exciting milestones. But let’s face it, it can also feel a bit daunting when you’re not sure where to start.

To help along the way, we’ve created a simple, step-by-step checklist to guide you through the entire process. From setting your budget to picking up the keys, we’re here to help Make your first move as smooth and stress-free as possible.

Know Your Budget

Before you start scrolling through listings and arranging viewings, it’s vital to get a clear picture of your finances. Knowing how much you can afford will save you time, stress, and possible disappointment down the line.

Start by using an online mortgage calculator to give you a rough estimate of what you could borrow. Alternatively, for a more accurate picture tailored to your situation, it’s worth speaking to a qualified Mortgage Advisor. They can help you understand how much you can borrow based on your income, credit score, and current financial commitments. At Websters we work with some great mortgage advisors who would be happy to help you along your journey.

It’s worth remembering too that buying a home comes with additional costs beyond the property price. Make sure you factor in legal fees, stamp duty, survey costs, and moving expenses when planning your budget. Having a realistic financial plan from the outset will give you the confidence to make smart decisions.

Get a Mortgage Agreement in Principle

An Agreement in Principle (AIP) is a written indication from a lender of how much they may be willing to lend you. While it’s not a final mortgage offer, it’s a key step that shows sellers and estate agents that you’re a serious buyer.

Having an AIP in place strengthens your negotiating position and can even help speed up the process once your offer is accepted. You can usually obtain one quickly through a bank, building society, or independent mortgage broker. Most AIPs are valid for around 60-90 days, so it’s best to have one ready before you start seeing properties in earnest.

Start the House Hunt

Now the fun begins! With your AIP sorted, you can start exploring properties within your budget. Set up notifications on property websites like Rightmove and Zoopla, and register with local estate agents to sign up for property alerts to hear about new listing as soon as they hit the market.

Take time to work out your priorities, too. Think about location, number of bedrooms, outdoor space, parking, schools, public transport, and your daily commute. Ask yourself what’s a must-have and what’s a nice-to-have?

View a range of properties and try not to rush into anything. Take notes or photos during the viewings to help compare later. Be open-minded too - you might be surprised by what stands out once you’ve seen a few options.

Make an Offer and Instruct a Solicitor

When you’ve found the one, it’s time to make an offer! You’ll usually do this through the estate agent, either by phone, email, or sometimes via their dedicated app.

If your offer is accepted… congratulations! Now the legal process begins. You’ll need to instruct a solicitor to handle the conveyancing - this is the legal transfer of property ownership. Your solicitor will conduct searches, check contracts, liaise with the seller’s solicitor, and handle the exchange of contracts. Much like the mortgage advisors, we work with great solicitors who would be happy to support your property purchase.

This is also the stage where you should arrange a property survey. Surverys help identify any structural or maintenance issues with the property that may not be obvious at first glance. There are different levels of surveys depending on the age and condition of the property. Speak to your solicitor or surveyor for advice on which would be best for you.

Exchange Contracts and Move In

Once all the legal checks are complete, your mortgage is confirmed, and both parties are ready, you’ll exchange contracts. This is the point where the sale becomes legally binding and usually you’ll pay your deposit.

Your solicitor will confirm the completion date - the day the remaining balance is paid and you officially become a homeowner! You’ll collect the keys from the estate agents and can start moving into your new place.

Before moving, don’t forget to set up your utilities, arrange broadband, register for council tax, and update your address with banks, GP, HMRC, and other key contacts.

Ready to go?

Buying your first home doesn’t have to be stressful - as long as you’re informed, prepared, and have the right support around you. At Websters, we specialise in helping first-time buyers feel confident and in control every step of the way.

Whether you’re just starting to explore or ready to make an offer, our friendly team is here to guide you through the process with expert advice, local knowledge, and honest, reliable service.

Ready to begin your journey? Get in touch with Websters today - let us help you make your first move a smooth one.