The thought of owning your own property for the first time is exciting but it can also be daunting for many first time buyers often who do not always see the many pitfalls that they can fall into.

The first thing any first time buyer really needs to do is to work out their finances with a financial adviser who will help to calculate the amount they can borrow and how much of a deposit will be required. Thereafter, your budget can then be set and the fun bit begins you can then go and look at property.

It is fair to point out and this does not just apply to only first time buyers but to all viewers not to fall into the trap of only online shopping, many people also apply this convenient way of shopping to viewing houses and fail to go out and actually step inside houses. This can be a big mistake as you will only get a proper feel for the ambience of houses by viewing in person and you may be dismissing some very good houses.

In Scotland all property on the market must have a home report which will document to the buyers any faults or defects with the property and it assists buyers to make an informed decision when they buy. Ensure you look at this report and if necessary, send in your own specialist to give you an opinion and cost on any work that may be required.

Once you think you have found the right property contact your Solicitor to make an offer and contact your financial adviser also so as they can then process your mortgage product to ensure the funds are in place for the date of entry.

You can then organise for furniture delivery for the agreed date of entry although, don’t expect to receive the keys first thing on this date as there can be hold ups not always within your own Solicitors control. If possible, arrange to move in to the house a day or so later to make it a little less stressful.

Margaret Peebles is an experienced Property Manager with more than 20 years of experience in the property market. For more information or advice or selling your property contact Margaret on 01577 862302 or email m.peebles@jgwilson.co.uk

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