It's 2024, which for the majority of people will mean a fresh start. A lot of people will use this time of year to consider moving home, and for first time buyers, this can be a stressful experience. In this blog, we have created the ultimate guide for how to make your first time buy a breeze. So, let’s get right on with tip 1. 

Tip 1: Check Your Credit Score 

Checking your credit score is easy, you can find websites online such as ClearScore or Experian to give you an accurate reading. If your credit score has resulted with some errors, ensure that you have repaid any debts that you owe and ensure that all bills are paid on time. By having a good credit score, you will find that property buying is a lot more simple. 

Tip 2: Set a Realistic Budget  

Setting a realistic budget when you are property hunting will allow you to find something that will not affect you financially as much as not having a budget at all. A realistic budget will help you source the best value for your money and also making sure that you have options in different areas if your first choice isn’t available. By working out what you can afford to buy, you can work out a rough estimate of living expenses like mortgages, insurances, gas and electric, and so on. This way, you can safely spend and not have to panic as much about your finances. 

Tip 3: Organise and Get Your Mortgage Application in Early 

If you have your heart set on a property and want to impress the seller, then you will want to look into getting your mortgage application in as early as possible. By doing this, you are showing the seller that you are organised and won’t mess them around. You will also know your budget and will be in a stronger position to get your desired property. 

Here at Philip Ellis, we are experts at what we do. We all bring our professional experience and knowledge into the business to help our clients find their dream homes. 

For more information about the best estate agents in Manchester, please get in touch.