Friday, 2 December 2016

Buying your First Home

When me and my ex bought our first home it was an exciting time, going to view different houses, trying to imagine how we would make it our own, having the nervous butterflies over whether our offer would be accepted and then anxiously waiting for it all to go through.  It was a completely new experience for us both so we didn’t realise quite how many hurdles you have to jump over or how long the process would take. 

It can be very stressful, all that worry about getting a decent mortgage offer, then finding a house in budget that you manage to put an offer on before someone else.  We didn’t view a huge amount of houses when we bought our first; we did a lot of our research online – making sure the area was a nice part of Liverpool. 

Looking into school catchment areas hadn’t crossed our minds as neither of us had even got as far as thinking about having children but now as a parent that would definitely have been one of my biggest priorities.  Even if you don’t have children yet it’s worth thinking ahead.

I found this infographic AIG's step by step guide to buying a house in Ireland extremely useful.  There is a lot to do before getting the keys to your new home and seeing the stages clearly mentioned gives a more realistic idea about timeframe.  Also seeing the stages set out you can make sure you have done everything you need too to keep matters moving swiftly in the right direction.

There is no point going to see houses until you have a mortgage offer in place, when you put an offer on a house this is all the estate agents will be interested in.  So get your finances in order, go and see the bank and get that all arranged ready.

The house we chose I had fallen in love with its garden, I don’t know if it was the right house to buy really it was very small but like I said the thought of extending beyond the two hadn’t occurred to us.  The living room went straight into the kitchen/dinner and it had two bedrooms (one quite small and the other not much bigger!) really we probably should have kept on looking but it suited our budget and sort of worked.  I would say try and imagine yourself living there and the future you living there too, will it still be the right house then?

Gosh how young I looked back then!!!

The most important thing is to hang in there as all the hard work will be worth it when your holding the keys to your new home!

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