Buying a house in your twenties.

So you think you’re old enough and brave enough to commit to buying your own home. From my own personal experience buying a house is scary, stressful and exhausting but it does get better! As soon as you’re snuggled up in YOUR blanket, sat on YOUR sofa, in YOUR living room – the trauma somehow gets erased from your brain as now, two years later I’m considering going through all of the drama again.

As lessons in taxes, mortgages and finances are still not  being taught in schools, I am going to disclose my top tips when buying your first home.


  1.  Start saving – seems obvious but it’s surprising how much money you need upfront when buying a house. Not only do you need the obvious things such as a deposit, you also need to save for stamp duty (if the house is above £125k), solicitor fees, mortgage advisor fees, survey fees and of course for the amount of useless Ikea items that you MUST buy in order to fill your new house with clutter.
  2. Check your credit score – there’s nothing worse than sitting with your mortgage advisor for hours to then discover that Mr Banks will not loan you anything due to a low credit rating. If you do find that you’re credit score is below average, it’s pretty easy to boost it up – apply for a credit card (again, scary) and use it for little purchases that you can pay back early or on time each month.
  3. Investigate Government schemes – Help to Buy Schemes are a godsend, end of.
  4. Find out what you can afford – before you start looking at mansions and castles on Rightmove, it’s probably best to meet with a mortgage advisor to establish a more realistic price range. Although searching through pages and pages of house porn is extremely fun, it can be disheartening so make sure you know what you can afford before you get your heart set on Buckingham Palace.
  5. Paperwork – prepare yourself for reams and reams of paperwork that requires you to sign EVERY single page. You’ll write your signature so many times the letters will start to look make believe and you’ll need a wrist splint for your repetitive strain injury.

That’s all for now, although there are many more things that you need to consider – maybe I’ll make another post when I can face the thought of reliving the house buying nightmare.

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