Tips for first time home buyers in the UK | Part 2

Buying your first home is exciting but it’s also full of pitfalls if you don’t know what to look out for. In this video, I’ll share the key tips first-time buyers often make (and how you can avoid them).

Here’s what we’ll cover:
✅ Why you should research the area as much as the property, from traffic and schools to broadband speeds and even future developments.
✅ The hidden costs of a mortgage deal. Why the cheapest rate isn’t always the best option once you factor in fees and flexibility.
✅ What it means if a property has been on the market for months (and how you can use that to negotiate).
✅ Why you shouldn’t borrow to your absolute max and how leaving wiggle room can save you stress later.
✅ The true cost of buying beyond just your deposit: surveys, legal fees, moving costs, and more.
✅ Why a proper survey is worth every penny and how it can even give you leverage on price.

By the end, you’ll know how to approach your first purchase with confidence and avoid costly regrets.

Timecodes:
00:00 - Intro
00:25 - Research the Area
01:32 - Understand your Mortgage
02:47 - How long has it been on the Market?
03:25 - Don’t max your affordability
04:32 - Don’t just save for your deposit
05:22 - Get a Survey

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UK Mortgage Centre Limited is an Appointed Representative of Refresh Mortgage Network Limited. Refresh Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm number 1019794. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages. The Financial Conduct Authority does not regulate will writing and taxation and trust advice. You may be charged a fee for your advice. A typical fee is £495, which would be payable when you receive your mortgage offer. Your dedicated advisor will discuss this further on your free initial phone call. Registered company number: 15825320