What is on a first-time buyer checklist?

Each step depends on the one before it, so working through them roughly in this order saves a lot of back-and-forth later. Work out your budget and deposit first; it shapes which properties are realistically within reach. A mortgage agreement in principle from a lender shows sellers and agents you're a serious buyer before you make an offer. You'll need a solicitor or licensed conveyancer to handle the legal side: searches, contracts, and the exchange itself. A survey, from a basic condition report to a full structural survey, flags problems before you're committed. Buildings insurance needs to be in place from the moment contracts exchange, since you're legally responsible for the property from that point. Budget for solicitor and survey fees on top of the deposit; these are separate costs that catch a lot of first-time buyers out.

Once you've completed, a first home gift made from a photo of the actual house marks the milestone properly. See also our moving house checklist.

Written by Craig Fearn, Our House Print.