First Time Buyer | earnest

Buying a house is one of those big rites of passage. First Time Buyers come in all shapes, sizes and ages these days, but whether you’re 25 or 50, a small tribe or a committed singleton, the experience is the same and can be nerve wracking and thrilling at the same time.

If you’re buying your first home, then here are our tips to make the process as smooth as possible:

  1. Get mortgage approval in principle from a lender. It should be the first thing you do because it is here that you will see your eligibility and the requirements of the lender.
  2. It is important that you choose a solicitor at the very beginning of the process. We can recommend some that our clients have had good experiences with.
  3. Go and view lots of properties in your budget and include one or two properties that you may not have thought you were looking for, you may surprise yourself.
  4. While you are viewing properties, you should also prepare the paperwork for your mortgage application. Payslips, bank statements, proof of address etc. Do not leave this until last minute.
  5. Get life assurance in place because it can take some time to arrange and if you leave it until late in the sales process, you could cause big delays or even lose out on the property.
  6. Once the property is sale agreed, get a structural survey done as quickly as possible. This will help highlight any issues you may not have been aware of and will also give you peace of mind.
  7. A bank valuation will only last a couple of months and they are not free so it’s important that you time it right. Ask the estate agent selling the property to instruct you on this.

Give us a call if you’ve any questions or want us to add you to our database and soon you’ll be right at home.

Contact Us

Earnest,
48-59 North King Street,
Smithfield, Dublin 7

Phone: 01 872 8808
Fax: 01 874 7274
info@earnest.ie

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