A home purchase is a long project. The first year is about building a plan and a habit, not hitting the finish line.
Work backwards from the goal
Estimate the price range you are aiming for, the deposit you will need, and the costs on top: fees, taxes, moving and furnishing. Divide the total by the months you have, and you have a monthly target.
Get your paperwork in order
Lenders look at income, spending, existing debts and savings history. Keep statements tidy and avoid taking on new borrowing in the months before you apply.
Talk to us early
A short conversation can tell you what you might be able to borrow and what to work on, long before you start viewing homes.
General information only, not personal financial advice.