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Feb 9 2018

First-time Buyers Fortnight

It's reportedly “First-time Buyers Fortnight” - considering there seems to be a day for almost anything you can think of, from Donuts to Chocolate, it makes sense we think to dedicate a whole two weeks to first-time buyers.We share the mission of encouraging people to own their own home, as we think it has benefits across the board, not just for the individual but for communities, towns and cities at large. Owning one's own home is a stake in the community and represents a more lasting commitment.

Over time, equity is generated in owner-occupied properties which can enable owners to climb the ladder and grow their families. As compared to letting, there are certainly benefits to home ownership – which is probably not a controversial or surprising statement to anyone who has been a tenant at any stage.

There is of a course a choice to make, you could rent a home, and this has its uses – say if your work requires flexibility and mobility, or you don't have enough saved for a deposit, or various other reasons. However, the downside is that rent in many areas in the UK is more expensive than a typical mortgage for the same property would be, and you don't necessarily have the same peace of mind, nor the ability to truly make the home your own.

Long term, home ownership tends to be better in the long term, the choice is rather simple – pay your mortgage or pay your landlord's! It's also worth considering what happens at retirement age and whether your pension would cover rental payments at that stage of life.

With Help-to-buy allowing those with just a 5% deposit a way onto the ladder, it's an opportune time to speak to your local property professionals – and yes, that's us! We can show you the breadth of new homes available locally with help-to-buy schemes available and help get you into your perfect home!

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