Buying A House! 🏠🔑 Mortgage Process & First Time Buyer Experience

We bought a house! This video is covering everything I learnt in the process of getting a mortgage as first-time buyers in the UK. Enjoy! B xx

ps. I'm not a professional or expert, this is just our own personal experience so please do seek advice and note that things change quickly. What worked for us is not going to work for others, so I recommend doing your research and educating yourself as much as possible. Links below to support!

Chapters:
0:00 Introduction
2:45 Where To Start?
7:40 Personal Circumstances
12:23 How I Saved
16:35 Help To Buy ISA
19:13 Types Of Mortgages
20:44 Deposit
21:46 Our First Steps
24:00 Timeline Of Events
25:45 Mortgage Broker
29:30 The House Hunt!
31:39 Bidding
33:31 Solicitor
35:42 Survey
37:10 Insurance
39:15 Exchange & Completion
43:48 Fees
46:29 Final FAQs

Links:

Other (not mentioned but loved along the way!)

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#FirstTimeBuyer #Mortgage #BuyingAHouse #UKProperty

[lauraearl]

You should be so proud of this video! Super informative! I've worked in the property industry for a long time now started in an estate agents with an in house mortgage broker and the information you have gone through is very accurate! Owning your own home is such an achievement! I love my home and love seeing people get on the property ladder! Well done Brogan!

[jojames]

Brogan thank you so much for the mention as your mortgage broker I’m so glad I was able to help you on your journey

[sophiemcgee]

New to your channel, this video was so good! You also seem so lovely. This has made everything a lot more clearer for me and my boyfriend as we’re currently saving! Thank you x

[matthewcolwell]

A really great video that I’m sure will help a lot of people. I’m going through the process myself and have never known paperwork like it! Good luck to you and Benji, hope your new home is as awesome as you 2 are 😊

[Annie]

I’m 22 and have placed an offer on what would be my first house for myself, this was very helpful. Thanks you.

[IsabellaKerwin]

Coming back and watching this video again as me and my partner are now saving for a house! Honestly this video is so great! It just keeps it real but is really informative too! 🤩💕

[LaraJoannaJarvis]

Ok, so pretty sure I've never watched an almost hour long video from start to finish before 😆😆 absolutely loved it, so thorough and informative. Thanks for making it. I've been documenting my no buy year to save for our first home and tomorrow we're going for our very first viewing!! I can't believe it's actually happening.
I had no idea unless you had 20% it didn't affect repayments, or that you can't use your help to buy ISA if over 250k! It's basically useless!! Thanks for letting me know, might as well put it all in my bonds. Thanks for sharing. Ps are you going to the HP dinner tomorrow? See you there if so xx

[evebeinguniquebeingme]

I had a saving account since I was five my uncle used to give me a zipbag of coins every month to have fun and count and save in the bank every month since I started working at sixteen I've saved half my wages spending on essentials only I just invested my savings in a bond too after discovering the interest I could earn on it which is tons better very informative and great advice me and my boyfriend just got our flat we love having a little bubble of our own to share so surreal! 💖👏😄

[Kellyb]

I’ve been buying my first home over the last few months and set to complete (fingers crossed) very soon! I’ve used your video a few times and it has been so helpful!! Thank you for sharing ☺️

[kathrynlucy]

This video is so useful Brogan, thank you 😊 good luck to you and Benji 😊xx

[maurasantos]

Thank you for sharing your experience. Your video is very helpful. 😀

[Liz]

You are so lucky to have a house at your age ! You must be very organised 👏🏻👏🏻👏🏻

[alixhoyle]

When does everyone think the market will open back up?

[Gemmard]

SO excited to watch, this will help me and my partner as we're first time buyers in the early stages! Thankyou Brogan! <3

[kathyfvallejos]

This video was so fascinating as I am from the USA. Had to look up what “chain” meant. Lol Great interesting story on your experience. 👌👏👏👏

[GemmaElkins]

I have just stumbled across you and your channel and have found this video superrrr informative! My boyfriend and I would like to purchase a house next year in Bournemouth, having not lived their before. Is it a nice place to live? Are there cheaper areas we should look at? Thank you!:)

[UKDisneyVlog]

Thanks for the tips. Really given me something to think about. We are not in any position to buy ☹️. But I love your attitude about positivity and money and getting to grips with finances xx

[BitsOfBen]

I've managed to buy a property by myself at 33. I find things I've learnt that if you do it by yourself is making sure you try and buy before the age of 35 as it gets harder every year after that as the mortgage lender whats you to be working for the lifetime of the mortgage (unless you have a massive deposit.) Do get the second survey, the first one for the mortgage lender for them to know that the offer put in reflects the value of the property etc, but a home buyers survey is on your behalf and for that, someone will go through the property to look for any faults like potential damp, problems with the roof, checking the electrics and other things that haven't been discovered yet. That way, if there is a problem discovered from a home buyers, you can go back to the vendor and try to renegotiate the price, remember when contracts are exchanged, then that problem with the property is yours, before that it's theirs so you can ask them to sort it before the exchange happens!

[fificarreira]

Definitely the best and most informative video on Youtube avoid mortgages. I've been watching you since you were in college and never normally comment. I watch your vlogs every week and they are probably the only vlogs I religiously watch. I was so happy when you shared the video saying you guys bought the house, as I feel like I've grown up with you (I'm 22 and have been watching since i was in secondary school). Congratulations and i hope you have all the success and happiness in the world you truly deserve it!! xx

[georgiamarie_]

This is super helpful, thank you so much for making this! I'm planning on buying within the next 2/3 years and will definitely be referring back to this video once the process gets started. Also you just reminded me that I put money in an NS&I bond about 5 years ago and have literally never checked it, should probably do that soon.