A Guide To Getting On The Property Ladder

In today’s climate, buying your first home and getting onto the property ladder is tougher than ever. Yet, there is no need to lose hope, as there are a few things you can do that will make the process much easier. Buying a house is a major milestone in anyone’s life, so don’t feel discouraged when you see people buying homes in their 20’s, as it is very rare these days! So, here are a few tips to help you achieve your goal. 

  1. Consider Savings As Essential Outgoings

When people’s wages come into their account, often people will think about what their essential outgoings are and then see the rest as disposable income. People don’t often consider savings as essential outgoings, so the amount put away can be neglected. If from the very beginning of the month you budget a set amount of money to go into a savings account, you will be surprised at how much you can save. 

Yes, you might find yourself slightly short of cash at the end of the month, however this is a positive thing as you will learn to spend your money more sensibly. When you commit to a set amount, you will be able to reach your financial goals much quicker. If you do have anything else left at the end of the month, that’s a bonus! 

  1. Make Use of Government Schemes

There are lifelines available that you should utilise to get some help when it comes to buying your first home. One of the best schemes available in the UK is the Help To Buy Scheme. Whatever you are able to save in the account, when you withdraw the money to go towards a deposit for a house, the government will contribute 25% on top of your savings. The maximum government contribution is £3,000, so after you have saved £12,000 you cannot benefit from the 25%. Yet, £3,000 for free is not a bad deal, at all!

In the USA, there are plenty of different government schemes available such as Homeownership Vouchers, FHA Loans, Programs for Service Members and Rural Residents. It is always worth looking into what your government is offering and taking any help you are entitled to. 

  1. Look Past Cosmetic Features

Although you may think you need a huge deposit in order to buy a house that’s ready to move into, it is worth looking past the cosmetic elements of a home and considering whether it is structurally what you are looking for, as that is more difficult to change. When viewing homes, you may not like the kitchen cupboards, the wallpaper might be outdated and the bathroom might need a refresh, yet you are likely to get a much better deal on a slightly outdated home that you can easily renovate for next to nothing. 

You can paint cupboards, strip wallpaper and change tiles relatively easily and investing some time and a small amount of money to make a few changes will help you to create a home that is perfect for you whilst also saving money. Brand new houses come with a premium price due to their convenience, yet you might be able to move into your own home much quicker thanks to a smaller price that comes with properties in need of a bit of TLC. 

  1. Property Auctions

Another great way to get a good deal on a home is to buy a property through an auction. Residential property auctions allow participants to bid on properties they are interested in, often resulting in a below-market selling price. Auction companies will advertise the properties in advance, meaning you can arrange viewings and have surveys completed. 

Then, you can attend the auction and start bidding. It is important to ask for a professional opinion about the value of the house and make sure you don’t go above this as you are likely to end up losing money when you eventually go on to sell it. Many auctions are now online which makes the process far easier so it is definitely worth looking at whether there are properties you are interested in. This could help you to get onto the property ladder far quicker and with less upfront savings thanks to the cheaper overall cost. 


Saving for a house is hard work and can take years. Be patient and work hard to save as much as you can and these few tips should help you to reach your goal quicker.

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Repair Your Home and Move getting your property up for sale

Beneath all this doom and darkness lies an industry that appears to be thriving in many parts of the country: the real estate market.

Average house prices this week hit record highs, according to Rightmove, driven by temporary holidays and the so-called “space race” as more people become aware of their changing lifestyle.

So, is it time to make money? Here’s how to get your home ready for sale and even add value.

Cleaning your basement, attic and garage is an obvious task, but real estate agents say the smartest sellers need to go a step further.

This is especially important in the entrance hall because first impressions count. So make sure it’s as clear as possible.

“You only need a little furniture. So think about how easily people can walk around the property without being obstructed by protruding objects,” said Christopher Burton of Knight Frank (knightfrank.co.uk).

Get rid of kitchen pots and pans to clean kitchen counters. Send the shampoo bottle to the cupboard; A drawer under the bed makes the bedroom look tidier; And when you start painting, keep in mind that dark colors make the room appear smaller.


Gardens have never been more popular. So, if you’re lucky enough to have an outdoor space, make sure it’s in the best possible condition.

Prioritize front pages, if any, to impress the “right” buyers before they decide to visit in person.

Get rid of weeds, prepare fresh potted plants and hanging baskets, and clear your way to a freshly painted front door with shiny brass or cutlery.

Behind walkways for water jets, boulders and stairs, and greenhouse windows. In particular, the surface may become slippery and therefore needs refreshing.

Many sellers are disappointed with the condition of the adjacent lawn. If you can’t cut it, why not offer to do it for you? This can help you sell your property faster.


While basic gas or electric work requires a skilled dealer, comparison site HaMuch.com recognizes that there are many smaller home improvement stores that multiple people can do to make their home more attractive. and save money.

This includes space for painting and wallpapering, for replacing old or cracked tiles, for fixing ingenious floorboards and even for replacing squeaky hinges.

Mark Lamb of Victorian Plumbing (victorianplumbing.co.uk) says salespeople shouldn’t be deterred from doing bathroom tile work even if they haven’t: “You don’t need experience to do the job, it takes patience.

“Getting the number of tiles right is the key to tile success. Take the time to measure your bathroom and always order 10 percent more tiles than you need.”


If you want to get the most out of it, the general advice is to sell now. However, if you want to wait until everything is in order, it might be worth doing a room renovation.

The National Association of Real Estate Agents (NAEA) says the most important improvement that adds value is remodeling kitchens and bathrooms so they look fresh, modern and hygienic.

“Good lighting and a clean, tidy surface in neutral colors can quickly create a feeling of comfort and space,” said Mark Hayward, managing director of NAEA.

Now, a special room or room that can be rented from the house also adds to its appeal.


If the house you want to sell is vacant, call. Design firms like Derby-based Lemon & Lime Interiors (itroneand limeinteriors.co.uk) offer “virtual staging” – tips on what furniture to rent to “dress up” your home and impress buyers.

Now there’s no excuse: make sure your house sings and dances so you can make money when the prices are high

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Secrets to selling a home during lock down

Selling your home and moving to a new home can be fun, but it can also be expensive and stressful.

To help homeowners looking to sell their property, Admiral Home Insurance has partnered with experienced real estate agents to share some of their trade secrets.

“Even though we all want to hurry home, it can be an overwhelming experience – whether it’s your first time selling the house or you’ve had one before.”

10 secrets to selling (and buying) homes

  1. Debug, keep it neutral, and invest small for big profits
    “I sold the house at full price after it hit the market because we changed the color of the kitchen from blue to magnolia!” And it only costs £ 40 to carry out the transformation. It’s good to invest a small amount of money to see a big difference and sometimes enough to get the deal you want, ”said a senior director from Essex with over 22 years of industry experience.
  2. Do some research before choosing a real estate agent
    “If you look at the various agents selling property in your area, you will see what the agents are doing well. The number of boards sold is distribution,” said the owner of the Suffolk Real Estate Agency.
  3. Avoid disputes with the seller about agency negotiation fees
    The CEO of Essex advises buyers to pay attention to VAT as some real estate agents may not include this in their original number. He said, “Always think – and ask – will there be 20% on everything he’s going to offer me? Otherwise, the final bill might surprise you.”
  4. Get the price right
    “Remember, more people equals more offers, which puts you in a better position because you have more to play for,” explained one Essex senior director.

“Put your property on the market at a really good price so you can attract more people. This is much better than having an overpriced property on the market and then cutting it down.
It’s worth it because you don’t have enough people wanting to see it. “”

  1. Know when to accept offers and when to wait
    “If you own property on the market and, for example, open your first home and receive an offer, wait at least two weeks before accepting an offer,” said the senior director of Essex.

“Agents should always be there to tell you how strong the market is and how things will determine whether a property will still get a favorable response from buyers.”

  1. Communication is the key to a successful relationship with your real estate agent and faster sales
    Current Suffolk real estate owners advise, “There’s nothing worse than not being able to catch up with a salesperson when needed. You need to be on the phone and on the other end of the line if you want things to move fast.”
  2. Shoppers are looking for more green spaces and home offices after COVID
    Adds Dorset property owners, “By staying indoors when they close, they think about the space they have or don’t have and increase the importance of garden space for people to notice.” Renew and expand the outdoor space and access to fresh air.

“In addition, office and office space are now seen as important when people are working from home. This feature is clearly at the top of the buyer’s agenda.”

  1. Book books when the sun is shining and school is going on
    “The best time or day to book a tour depends on where you are,” explains a Dorset property owner. “If there are certain times in the park where the sun is hotter, you should try to fix the gaps for that time.

“If the house is close to the school, you should not do any inspections when there is a possibility of heavy school traffic.”

  1. Basic Considerations for Buyers
    One Suffolk property owner advised, “If you are a buyer, register yourself with any real estate agent covering the area where you will be moving. It’s important to have a memorable conversation with the agency and explain exactly what you are looking for and why.

“Keep in regular contact with them and don’t forget to take the phone when they call to let you know about the property.”

  1. Best tips for buying a house
    When it came to the long-running war, a senior Essex director said, “You shouldn’t let your heart rule your pockets. You have to stick to your budget. Agents have to spend between £ 5,000 and £ 7,000 from the interviewer’s estimate to be.” “
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