15 Things I've Learnt Buying A HOUSE! 🏠 First Time Buyer Tips, Homeownership & Mortgage Advice UK

In 2019, my boyfriend Benji and I bought our first home in Bournemouth and we are absolutely loving it. We pinch ourselves every day that we made this happen, and it's been an amazing first year as homeowners. Here are all the lessons we've learnt as first-time buyers in the UK!

timestamps:
0:00 welcome! 1 year since buying our house!
2:00 1) It doesn't have to be a stressful experience
3:02 2) mortgage broker & recommendations
4:21 3) bigger deposit doesn't always mean better
5:39 4) give yourself flexibility to save too
6:53 5) keep the process to yourself
7:36 6) you need insurance before you move in
8:05 7) some bills are better paid upfront/monthly
9:15 8) the renovations & redecorating took twice as long
12:36 9) you'll never feel 'finished'
13:52 10) managing bills/mortgage does feel natural
14:35 11) a joint account JUST for bills
15:40 12) trying to get planning permission is a PAIN
16:38 13) you'll dream about ideas for a future home
17:34 14) you'll love giving tours of your home
19:07 15) we still pinch ourselves every day

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[brogantatexo]

Let me know if you’re buying a house or this has helped 🤗

[peerreviewed]

We bought our first house in the middle of September and the pinch me moments are so real! We moved straight in on completion and haven't done any redecorating yet, but the first time we fixed something to the wall it felt almost illegal after years of renting 😂

[alexmontgomeryfleming]

This is the BEST advice ever!! 3 years on from you posting this and still relevant and so useful!!! My husband and I are hoping to buy within the next year so thank you for posting this video xx

[AJames]

We’ve Litterally just moved into our first house this week after renting for 2 years! cannot wait to show everyone 🤞🏻

[MiningForPies]

Bigger deposit means you would pay a hell of a lot less over the length of the mortgage as interest is amortised over the life time you have it.

[bettyboothroyd]

It’s worth considering that whilst a smaller deposit doesn’t change your monthly payments massively, if property prices fall it puts you in a riskier position and can make selling on in the future a lot trickier if you end up in a negative equity situation! I worked in finance during the last financial crash and saw a lot of people caught out by that.

[cherrywallis]

Ahh this was a good video! I’m going to be buying alone in a year or so, and the thought of moving and buying a house feels overwhelming to me haha. This was informative! Xx

[harriotmsteinson]

My boyfriend and I just paid our deposit today on our first house and are so close to completion. We cannot wait 🙌 💖

[bethinabox]

We bought our first house 2 years ago, the bigger deposit thing also blew my mind 🤯. We also didn't really tell anyone apart from our parents and it was so nice not having people asking about it all the time! Luckily it was pretty smooth sailing but I can imagine it would be horrible if it all fell through ☹. I also hand delivered all the documents to our solicitors and I feel it sped up the process, and I could also solve any issues there and then instead of having to wait. Super video with super tips ❤💙💚

[holidayadventures]

We completed last Friday :) so exciting making our house a home!!

[juliecarriker]

These are great tips!!! I've bought and sold seven houses in my lifetime and you've hit the important things! Congratulations on your year of home ownership!!! 😍😍😍 Yes, you should absolutely be proud of yourselves!!! Great job!!! 👍👍👍 Continued love and health from across the pond!!! 💜💜💜

[carolineholochwost]

As always this was such a lovely video to watch Brogan :) I was so happy to see this notification, it's good to hear about your experience as a first time home buyer, even though I'm not due to buy a house for at least another couple years! Glad to see you thriving, hope to see other new videos and vlogs soon :) xoxo

[marktavares]

Well done I'm currently renovating our first home and it's exactly as you have explained...so happy to share this moment with my beautiful wife and yes we look at each other and say this is ours..and we have a dog that is a part of the family now..Well done and only the best to you guys..take care God bless

[rosemoorcroft]

We have been in our house two weeks now. It took us over a year to get it. It was the 25th house we viewed and the 6th one we offered on. Ended up getting a repossession that needed a lot of love but we've completely turned it around and we love it now!

[samcritchell]

I'm in the process of buying a flat for myself and already agree with so many of these points! Cannot wait to get a completion date 😁

[aimeecooper]

As someone who is 18 and going to look at buying early next year this has really helped - I imagine the process will be more tricky due to banks/age but this will help me this other obstacles!! X

[rebekahmaryx]

im going through the process of buying a house right now and I've actually found it really stressful my solicitor has been great but my mortgage advisor has been terrible he's so unorganised and he's the reason for the stress tbh feel like as a first time buyer there just isn't enough support from my personal experience.

[JG-ptwj]

I love your video, thank you! We are also in the process of buying our first home, we’re currently just over 2 months in & at that ‘waiting’ stage! We so hope we’re in before Christmas 🎄 going to go back and watch your older videos to get some inspiration!

[abbiekennedy]

Can't believe it's been a year already from when you got your keys! These are great tips, we are second time buyers having literally just accepted an offer on the flat we bought 4 and a half years ago, and are off house hunting on Saturday. Selling and buying is a whole new ball game! Xx

[RenyxGhoul]

Great tips! Congrats on your new home!

Although mortgages is not something I thought about, especially when I am still in education, I decided to look into it and research (mainly due to the family). Hearing that you are in your mid twenties are achieving this feat (or some call it positive debt XD) is quite inspiring! I am a few years younger but these things are never too early to start, it is a positive commitment after all. The "having a current property, spent amounts to renovate but still have plans for the future home when capable" is a mood. My aim is to mainly take the first step and slowly build my way towards that future house goal. Setting the ground early means I will be motivated which is a good thing!