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Free guide12 pagesPDF

A guide to buying your first home

Everything to know before you buy, in plain English: saving a deposit, getting your credit ready, what a broker does and every step from offer to keys.

Cover of the first time buyer guide from Oak Financial

What's inside

  • The whole process on one page, from saving a deposit to getting the keys
  • How much deposit you need, gifted deposits and other routes in
  • Your credit profile: what lenders look at and how to improve it
  • What a mortgage broker does and what to ask one
  • House hunting tips, including why a second viewing matters
  • The application, the valuation and the mortgage offer
  • Legal work, exchange and completion
  • What to avoid while your application goes through

Who it's for

You have a job and some savings, you are ready to stop renting or move out, and you are not sure what happens next.

“Don't pay too much attention to the score it gives you. All mortgage lenders have their own internal scoring system.”

Phil Gamblin, from the guide

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