Home Buying Guide

Before you start house hunting, assess your financial situation and determine how much you can comfortably afford. Consider factors like down payments, monthly mortgage payments, and additional costs like property taxes and maintenance.

Get pre-approved for a mortgage to understand how much a lender is willing to lend you. Pre-approval not only helps you set a budget but also strengthens your position when making an offer.

Begin the exciting process of searching for your ideal home. Work with real estate agents and online resources to explore available properties that match your criteria.

Once you’ve found the perfect home, make an offer through your real estate agent. Be prepared to negotiate with the seller on terms like price, closing date, and contingencies.

After your offer is accepted, conduct thorough inspections and due diligence. This may include a home inspection, pest inspection, and appraisal to ensure the property meets your expectations and is in good condition.

Finalise your mortgage loan and secure financing. Review the terms of the loan and be prepared for any last-minute documentation requests from your lender.

The final step involves signing all necessary legal documents, including the closing disclosure and mortgage agreement. Your solicitor will play a crucial role in ensuring a smooth closing process.