Buying your first home is an exciting milestone, but it can also feel overwhelming. With so much to consider—budgets, mortgages, legal paperwork, and finding the right property—it’s easy to feel lost in the process. This guide outlines the key things every first-time buyer should know before taking that first step onto the property ladder.

Moving home isn’t just about the sale price. From legal fees to removals, there are plenty of extra costs to budget for. This guide covers the most commonly overlooked expenses so you can plan with confidence and avoid last-minute surprises. All costs in this guide are just an average and will vary depending on the complexity of the transaction and even where you live in the country so remember to ask for detailed costings.

Downsizing can be a smart move at the right time—but how do you know when that is? This guide highlights common signs that it might be time to consider a smaller home and the benefits it can bring.

Should you haggle with the agent over their fees? Is it true that if they can't negotiate well with you, they won't be any good when you get an offer? Or does it start the relationship off on the back foot?