Start with the numbers, not the listings
The most common mistake first-time buyers make is falling for a home before they know what they can afford. Before you open a single listing, get a full pre-approval — not a pre-qualification — so your budget is based on verified income, credit and debt.
Build in a buffer. Lenders approve the maximum you can borrow, not the amount that keeps your monthly costs comfortable. Aim for a payment that leaves room for maintenance, insurance and the surprises every homeowner meets in their first year.
Search with a shortlist of must-haves
Write down three non-negotiables and three nice-to-haves before you tour. It keeps viewings focused and makes it easier to act quickly when a home ticks the right boxes.
Commute time to work or school
Minimum bedrooms and outdoor space
Neighbourhood price trend over five years
Close with confidence
Once an offer is accepted, the clock starts. Book the inspection within the first week, review the title report carefully and keep your finances unchanged until the keys are in your hand — a new car loan can still derail an approval days before closing.
