If you’re planning to buy a home, the EPC can help you think ahead about potential costs and what improvements might make it cheaper to run. 

With the general election coming up in 2024, you might be wondering how it could impact your plans to buy a home. Elections always bring a bit of uncertainty, and this year is no exception. Let's break down what you should keep an eye on if you're thinking about buying a house during this time.

If you’re looking to buy a house in the UK, you’ve probably heard about the Lifetime ISA (LISA). This savings tool can be a real game-changer when it comes to building up your deposit. Let’s dive into why a Lifetime ISA might be your best bet for saving up for that dream home.

Deciding how to approach your first home purchase in the UK—whether solo or with a partner or friend—is a significant decision. Each path offers its unique advantages and challenges, and understanding them can help you make the best choice for your situation. Let’s delve into the dynamics of buying solo versus buying jointly, along with how the landscape of home ownership and renting has evolved over the past decade.

What are payday loans? Essentially, they’re short-term, high-interest loans typically designed to bridge the gap between pay cheques. They are often sought by people facing unexpected expenses or temporary financial difficulties. While payday loans can provide immediate relief, their impact on your financial profile can be significant, especially when it comes to securing a mortgage.

A solicitor (or conveyancer, as we typically refer to them in the home-buying industry) is a key person when buying a property in the UK. Here I explain a little about how important they are and the role they play in helping you to safely purchase your new property.

You’ve been searching Rightmove and Zoopla for your dream home and have come across the phrase ‘Share of Freehold flat’. ‘What does it mean?’ you ask, and luckily for you, I’m here to finally answer the question which leaves many first time buyers confused yet intrigued.

You only need to turn on the TV to hear the phrase ‘cost of living crisis in the UK’ but if you’re just about to buy your first property then it may be even more important to you to make sure you’re not wasting money anywhere unnecessary.

Whether you’re purchasing a new property or remortgaging your current home, a mortgage lender will always need to work out the ‘value’ of your property so that they can agree on the deal they will offer you.

Most people you ask will be able to recall in vivid detail the first time they viewed their first home and I am certainly no exception. I still get that same feeling I felt standing there picturing it with my own décor applied, trying to look past the peeling wallpaper and stained carpets.

Saving for a house deposit can be a mighty and daunting task, especially for first-time buyers in the UK, but if you can find a way to save that inspires you (like my colleague’s method) you may find you start to enjoy the process . Here are some of my top tips to help you save for a house deposit:

In order to understand how potentially fluctuating interest rates affect you and your mortgage, it’s helpful to understand a bit more about the Bank of England Base Rate, what it is, how it is ‘set’ and by whom.

When it comes to getting a mortgage as a first time buyer, there are two main routes most people go down; going direct to a single bank to see if they can offer you one of their mortgages, or using a mortgage broker that has access to numerous different mortgages options.