First Time Buyer Guide

Buying your first home is an exciting milestone, but it can also feel confusing if you are unfamiliar with the process. There are more steps involved than many first time buyers expect, and understanding them early helps reduce uncertainty.

This guide reflects what we see when supporting first time buyers across Hemel Hempstead and Hertfordshire, from the first viewing through to collecting the keys.

Getting your finances in order

Before you start viewing, it is important to understand what you can realistically afford. Speaking to a mortgage adviser early helps you budget with confidence and avoids disappointment later.

Having an agreement in principle also strengthens your position when making an offer.

Choosing the right area and property type

First homes vary widely. Some buyers prioritise space, others location or future flexibility. Understanding what matters most to you helps narrow the search and avoid distraction.

Local knowledge can help identify areas that suit your budget and plans.

Viewing with purpose

Viewings are about more than first impressions. Looking at layout, storage, natural light and long term suitability helps you make a balanced decision.

Asking questions during viewings builds confidence.

Making an offer

Knowing how to structure an offer, what conditions to include and how to demonstrate your position helps it be taken seriously.

Understanding local pricing behaviour in Hemel Hempstead is especially important for first time buyers.

The legal and survey stage

Once your offer is accepted, surveys and legal work begin. Understanding what surveys cover and how solicitors progress the purchase helps avoid unnecessary worry.

Preparing for completion

From insurance to utilities and moving arrangements, there are practical steps to take before completion. Planning ahead keeps the final stages calm.

Download the full guide

Our full first time buyer guide explains each stage in detail, with checklists and advice to help you move forward with confidence.