Buying your first home is exciting, but many buyers focus only on the deposit and forget the extra costs involved. Lenders also look at your credit score, so it’s worth checking it early and fixing any issues.
Another common mistake is not getting a mortgage agreement in principle before house hunting. This can slow down your offer later. Buyers also underestimate fees like valuation costs, solicitor fees, and stamp duty.
Finally, remember that the cheapest rate isn’t always the best deal—fees and flexibility matter too.
