First time buyer guide
Finding your ideal home
You know what you can afford, and that you can get a mortgage. Now it’s time to start looking for a house to buy.
Take time and write a list of the areas that you want to live in. If you are moving to an area you don’t know, discuss with a local estate agent who can advise on the best areas, and even specific streets to look at to match your requirements.
Use our property search to find your ideal home.
Register for a MyMove account and setup your personal property alerts.
It is also helpful to write a list of your property requirements, how many bedrooms, do you want off street parking? Does it need to be within walking or driving distance to a place of work or school? Do you need a safe enclosed garden for young children or family pets? Do you like new or older properties?
The more you think about what you want the easier it will be. Don’t worry if you don't know yet, view some properties and develop your list as you go. You will soon learn what you like and don’t like, and what are essentials and what you can live without.
Wondering what the benefits of buying new builds are?
Top tips on buying new builds
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your initial mortgage appointment is without obligation. Embrace Financial Services normally charge a fee for their services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but the standard fee is £549. Complex cases usually attract a higher fee. Embrace Financial Services will discuss and agree the fee with you prior to submitting any mortgage application.