Buying your first home is an exciting milestone, but it can also feel overwhelming. With so much to consider—budgets, mortgages, legal paperwork, and finding the right property—it’s easy to feel lost in the process. This guide outlines the key things every first-time buyer should know before taking that first step onto the property ladder.

Moving home isn’t just about the sale price. From legal fees to removals, there are plenty of extra costs to budget for. This guide covers the most commonly overlooked expenses so you can plan with confidence and avoid last-minute surprises. All costs in this guide are just an average and will vary depending on the complexity of the transaction and even where you live in the country so remember to ask for detailed costings.

That’s despite downturns, political chaos and a cost-of-living crisis. Whether you’ve owned for years or are just getting started, this stat should make every Bolton homeowner and landlord sit up and take notice.

Choosing a new home isn’t just about the property itself – the neighbourhood plays a huge role in your quality of life. From schools and transport links to local shops and community spirit, here’s what to look out for when deciding if an area is right for you.