Buying your first home is one of life’s biggest milestones. It’s exciting, nerve-wracking, and often a little overwhelming — especially when you’re trying to juggle family life, work, and the stress of endless paperwork. If you’re a first home buyer in the UK, you’ve probably got a head full of questions: Where do I even start? What will it actually cost? How do I know if I’m making the right choice?
Take a deep breath — you’re not alone. Every homeowner started somewhere, and while the journey can feel complicated, there are lots of practical steps you can take to make it smoother. Below are some friendly, down-to-earth home buyer tips to help guide you through the process.
1. Start by getting your finances in order
Before you scroll through Rightmove or book your first viewing, it’s worth taking a step back and getting clear on your budget. Most first home buyers are surprised by how many financial boxes need ticking — from saving for a deposit to proving your income and credit history.
A good place to start is checking your credit score and making sure your finances are as tidy as possible. Many buyers also choose to get a mortgage in principle before viewing houses. It’s not a guarantee, but it shows sellers and estate agents that you’re serious.
When we were house-hunting, we realised quickly that the money side of things takes more time and organisation than we expected. Having everything in order early really reduced the stress later on.
If you’re already worrying about the financial side, you might find my post on coping with the stress of buying a house reassuring.
2. Understand the hidden costs of moving
The deposit is the big one, but it’s far from the only cost. First home buyers often forget to budget for solicitor fees, surveys, moving vans, and even furniture for your new space. Depending on your circumstances, there may also be stamp duty to consider.
These costs can creep up quickly, so it’s helpful to make a moving budget that includes everything — even smaller things like locks, curtains, or paint. That way, nothing takes you by surprise.
3. Think long-term, not just “right now”
It’s easy to fall in love with a cosy flat or pretty terrace, but try to imagine yourself living there in five or ten years. Will it still work if you plan to grow your family? Is the area convenient for schools or commuting? Does the house have the space to adapt as life changes?
For young couples and families especially, this is one of the most important home buyer tips. You don’t want to outgrow your first home too quickly.
4. View more than once (and at different times of day)
A single viewing won’t give you the full picture. Go back at different times — a Saturday morning might feel very different from a Tuesday evening. Notice the traffic, the noise, and whether parking is a nightmare after work.
This tip saved us from making a mistake when we realised a house we loved was on a cut-through road that became gridlocked at rush hour!
5. Don’t be afraid to ask questions
Buying your first home is a huge investment, and no question is too small. Ask about the age of the boiler, when the roof was last replaced, and what the neighbours are like. It might feel awkward, but you’ll thank yourself later for digging a little deeper.
Remember, estate agents and sellers are used to being asked — so don’t hold back.
6. Organise your paperwork early
One thing nobody warns you about: the mountain of paperwork. From ID documents and payslips to proof of your deposit, getting everything together takes time. Start a folder (digital or physical) and keep it all in one place.
It sounds simple, but it can save you from last-minute panics when your solicitor or lender suddenly needs a copy of something “urgently.”
7. Plan for decorating & settling in
Once the keys are in your hand, it’s tempting to want your house to look perfect immediately. But decorating takes time, money, and energy — especially when you’ve just gone through the stress of buying.
My advice? Focus on the essentials first: making the space comfortable and functional. Then, tackle decorating one room at a time.
I’ve shared some decorating tips for first time buyers that might give you some inspiration.
FAQs for First Home Buyers in the UK
What should first home buyers know before applying for a mortgage?
You’ll usually need a deposit, a good credit history, and proof of steady income. It’s worth researching lenders and using comparison sites to see what you might be eligible for.
What are the most common mistakes first home buyers make?
Underestimating costs, rushing into a decision, or falling in love with a house that doesn’t suit long-term needs. Take your time, do your research, and don’t ignore your gut feeling.
How can I save money as a first home buyer?
Shop around for solicitors and surveyors, budget carefully for moving costs, and avoid taking on extra debt in the months before applying for a mortgage.
Is it better to buy a new build as a first home buyer?
New builds can be appealing because they’re modern and chain-free, but they can also come with premiums. Older homes may need work, but sometimes offer more space for the money. Weigh up what matters most to you.
What are some quick home buyer tips for reducing stress?
Stay organised, communicate regularly with your solicitor and estate agent, and keep a checklist of what’s been done and what’s still to do. And don’t forget to lean on family and friends — even if it’s just for takeaway nights when you can’t face cooking mid-move!
Can first time buyers get a buy-to-let mortgage?
Generally, buy-to-let mortgages are designed for people who already own a property, but that doesn’t mean it’s impossible as a first time buyer. Some lenders will consider it, though the criteria are usually stricter — for example, you may need a larger deposit or show a higher income. Because rules vary between lenders, it’s always best to get professional advice before going down this route.
Are first time buyers exempt from stamp duty?
First time buyers in England and Northern Ireland don’t have to pay stamp duty on homes up to a certain price threshold (currently £425,000 as of 2025, but this can change). If the property costs more than that, you may pay a reduced rate on the portion above the threshold. It’s worth checking the latest government guidelines, as stamp duty rules differ in Scotland and Wales.
Can first time buyers get a mortgage with no deposit?
Traditionally, you need at least some deposit to buy a home, but a few lenders do offer 100% mortgages in very specific circumstances — usually if a family member acts as a guarantor. These products are much rarer and often come with stricter conditions. Most first home buyers will need to save a deposit, but there are first time buyer schemes and savings options designed to help make that step easier.
Final Thoughts
For first home buyers, the journey can feel overwhelming, but it’s also one of the most exciting steps you’ll take as a family. With a bit of preparation and these simple home buyer tips, you’ll feel more confident and ready to take on the process.
Remember, no question is too small, no checklist too detailed — and when you finally turn the key in the door of your first home, all the effort will be worth it.
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