Why I created The Homebuyer Coach
To help first-time buyers understand the homebuying process. There’s a lot to learn about mortgages, deposits and credit, and you don’t have to arrive with all the answers.
First things first: get mortgage ready
You can have an initial conversation even if buying still feels a long way off. Bring your questions, income, deposit and debt details so we can talk through your starting point.
Your credit history
Check that the information on your credit report is accurate and keep up with your payments. Your credit history is one part of a lender’s assessment.
Your credit commitments
Loans, car finance and credit cards can affect affordability. Discuss your debts alongside your savings before deciding whether to pay anything off.
Your savings
Build a realistic budget and a regular savings habit. Think about your deposit and the other costs of moving, while leaving room for everyday life.