Buying your very first home is one of life’s most exciting milestones — but it can also feel a little overwhelming if you’re not sure what to expect. The good news? With the right guidance and a clear plan, the journey doesn’t have to be stressful.

Here’s a step-by-step breakdown of what you can expect as a first-time buyer:

1. Work Out What You Can Afford

Before you start house-hunting, get a clear picture of your budget. Factor in your deposit, mortgage eligibility, monthly repayments, and extra costs like solicitor fees, surveys, and stamp duty (if applicable).

2. Get a Mortgage Agreement in Principle (AIP)

This is a certificate from a lender confirming how much they’d be willing to lend you, based on an initial financial check. Having an AIP shows sellers and estate agents that you’re serious — and helps narrow down your search.

3. Start Your Property Search

Now the fun begins! Explore properties that fit your budget and wish list. Think about location, transport, local amenities, and the type of home that best suits your lifestyle.

4. Make an Offer

Found a property you love? Your estate agent will help you put in an offer. Negotiations may go back and forth a little before an agreement is reached.

5. Apply for Your Mortgage

Once your offer is accepted, submit your full mortgage application. Your lender will carry out a detailed assessment and, if successful, issue a mortgage offer.

6. Instruct a Solicitor

You’ll need a solicitor (or licensed conveyancer) to handle all the legal paperwork, including contracts, searches, and communication with the seller’s solicitor.

7. Get a Survey

A survey is carried out to check the property’s condition. This helps you identify any potential issues (like structural concerns or damp) before you fully commit.

8. Exchange Contracts

At this stage, both you and the seller sign legally binding contracts. You’ll also pay your deposit, and from this point on, the sale is official.

9. Completion & Keys

On completion day, the funds are transferred, and you finally receive the keys to your new home. Congratulations — you’re officially a homeowner!

10. Move In & Celebrate!

Unpack the boxes, pop the champagne, and enjoy the feeling of stepping into your very first home.

Buying Your First Home Doesn’t Have to Be Overwhelming

Taking the process step by step makes it far more manageable — and having the right team around you makes all the difference.

At Family Homes, we specialise in supporting first-time buyers across Sittingbourne, Sheerness, and the wider Swale area. We’ll walk you through every stage with care and clarity, so you always know what’s next.

Ready to begin your journey? Book a free 15-minute consultation call with us today — let’s get you moving with confidence.