Top Tips For First Time Buyers

Unlocking the door to your first home can feel overwhelming, but it doesn’t have to be! Whether you’re picturing a cosy starter condo or a spacious family house, let’s navigate the journey together.

Why worry about mortgages? At Allegro Mortgages, we believe buying your first home is about more than just numbers. It’s about your future, your dreams, and building a life you love. That’s why our experienced advisors go beyond the paperwork to find the perfect mortgage fit for you.

Here’s how we make your first home purchase smooth:

Expert guidance: Our team has seen it all! We’ll explain your options, answer your questions, and tailor a plan just for you. Proactive and stress-free: We don’t wait for you to ask. We’ll keep you informed and handle the details, so you can focus on the excitement. Crystal-clear communication: No surprises here! We’ll walk you through every step, from pre-approval to closing, ensuring you understand everything. Your unique needs matter: We ditch the one-size-fits-all approach. We’ll consider your income, goals, and lifestyle to craft a mortgage that fits your life perfectly.


Stepping into your dream home without the headache.

Feeling confident and empowered throughout the process.

Knowing you have a trusted guide by your side.

Stop dreaming, start acting!

Schedule a free consultation today. We’ll chat about your goals, assess your situation, and create a personalised mortgage plan that paves the way for a successful move.


Together, let’s turn your dream of homeownership into reality!

To help you reduce the stress, here are our top tips:

Budget accurately

Be realistic about how much you can spend on a house, and make sure you can afford the repayments. Don’t forget to allow for furnishings, and remember older properties may need extensive work. Make sure you budget for these expenses in addition to the purchase price, along with other fees such as conveyancing and stamp duty.

Look at the local area

Even if you don’t have children, remember that property in the catchment area of good local schools is much easier to sell on. Also, write down a list of local amenities that you need, such as particular shops, a gym or cinema. Before making any final decision about where to move to, take a stroll or bike ride around the local area.

Remember the bills

If you’ve been used to living at home with your parents, remember to budget for expenses such as council tax, gas and electricity bills, boiler servicing and other home repairs. Make sure you know what the likely council tax charge will be in your new property.

Ask for a second opinion

When buying for the first time, there may be a number of details to look out for that you may not be aware of. Always take an experienced home buyer with you when viewing a property. If this is difficult to arrange, make sure you get some help when you take a second view.

Check transport links

Consider the availability of public transport services, like local bus routes or the frequency of train services from your nearest station. Even if you drive everywhere, this information will be useful for anyone coming to visit you who doesn’t.

Check commuting time

Commuting can be one of the biggest household expenses. Since you’re likely to be spending much more time on domestic chores and/or DIY, minimising your commuting distance could be important. If property is more expensive nearer to your place of work, make sure you weigh up this additional expense.

Check connectivity

If you are a heavy internet user, check the broadband speeds available in the area you’re moving to. The selling agent should be able to provide this information.

Speak to your motor insurer

If you have a car, your insurance premium may increase if you move to an area with a higher crime rate, or are trading off-street parking for on-street parking.

Are you a first time buyer?

Call one of our expert advisors now or complete our Mortgage Enquiry Form