Buying your first home is one of the most exciting – and daunting – milestones you'll ever reach. At Sturgess Mortgage Solutions, we’ve helped hundreds of first-time buyers across South Wales and the UK take that all-important first step. We understand how overwhelming it can feel, especially when estate agents, solicitors, and lenders all seem to speak a different language.
That’s why we’ve put together our Top 5 Tips for First-Time Buyers – real, practical advice from a team that genuinely cares about helping you move forward with confidence.
1. Get a Mortgage Agreement in Principle Early
Before you start scrolling Rightmove or booking viewings, it’s crucial to get a Mortgage Agreement in Principle (AIP) in place. This gives you a clear idea of your budget and shows estate agents and sellers that you’re serious and ready to move quickly.
Pro tip: An AIP from an independent broker like us isn’t tied to one lender, meaning you get the right deal – not just the one on offer from the estate agent’s in-house adviser.
2. Know Your True Costs – Not Just Your Deposit
It’s not just about saving your 5% or 10% deposit. There are legal fees, valuation costs, moving costs, and possibly Stamp Duty (depending on your situation). We’ll help you map it all out so there are no surprises down the line.
Did you know? We offer all clients a free cost breakdown at our first meeting – no jargon, no pressure, just clear advice.
3. Avoid Estate Agent Pressure
We see it all the time – first-time buyers being pressured into using the estate agent’s mortgage adviser or solicitor. You have the legal right to choose your own broker and conveyancer, and it often works out cheaper and better that way.
At Sturgess, we work only for you – not the estate agent’s commission. We even negotiate on your behalf to take the pressure off.
4. Protect Your Mortgage – and Your Future
Buying your first home is a huge commitment, so protecting it is essential. Income Protection and Life Insurance might not sound exciting, but if illness or injury stops you working, they could make the difference between keeping your home or losing it.
We’ll explain your options clearly and tailor a plan that fits your needs and budget. It’s not about scaring you – it’s about giving you peace of mind.
5. Work With Someone Who Truly Cares
Your first home isn’t just a financial decision – it’s emotional. You need someone who’s in your corner, answering your questions, fighting your corner with the bank, and making sure you feel supported from offer to keys-in-hand.
That’s where we come in.
Let’s Make It Happen
If you’re thinking about buying your first home, we’d love to hear from you. We offer free, no-obligation chats (in person, over the phone, or via WhatsApp) to talk through your goals and how we can help.
