Buying your first home can be both exciting and stressful. Taking out a mortgage is a massive financial commitment and it's important to get it right, but mortgages and the homebuying process can be complicated.
This guide, written by Your Mortgage for Post Office Money, will help guide you through the entire process of buying a home and choosing a homeloan.
We will show you how lenders work out how much you can borrow, and how you can decide on the best mortgage for your specific needs.
Plus we explain some of the key costs involved in buying a home, such as survey fees, solicitor's costs and Stamp Duty, so you can properly plan your finances from the outset.
And we don't forget the best bit – househunting. With top tips on choosing a suitable area and hints on what to look for during a viewing, we ensure you are armed with all the information you need before you embark on the search for your perfect home.
Our step-by-step guide to the buying process will keep you on track and if you aren't sure whether you want to take independent advice or go direct to a mortgage lender, we explain the benefits and disadvantages of each option.