Your First Home: the first-time buyer guide
Buying your first home has more moving parts than anyone expects on day one. This guide isn't here to make you a mortgage expert. It's here to give you a clear picture of what's coming, in the right order, so you walk into the process knowing what matters. Read it once. The bits that apply to you will stand out. Everything else is there for when you need it.
What's inside
The terms that come up most, explained in a line each. The ten steps of buying a home, top to bottom. The things you can do before you've spoken to anyone. The three numbers that decide what's possible: deposit, income and credit file. What a decision in principle is and why yours should be based on verified income. What your bank statements look like to a lender. The costs nobody warns you about. Fixed or variable, and how to think about it. Finding the right property. Offer accepted to keys in hand, week by week. And protecting what you've just bought, which is the part I'd ask you not to skim.
Get the guide
What happens next
The guide opens straight away. I'll aim to message you on WhatsApp within one working day to see whether anything raised a question. Nothing to commit to.
“Such a great company. No pressure, clear communication, made things super easy to understand as we are first time buyers. Ethan Mercer is amazing, can't recommend him enough! We had questions super late on night and he called us up to help us!”