The guide Stage 01
Haven't started
You don't have to be great to start, but you have to start to be great.
This is you if
- Not sure where to start
- May not have a deposit yet
- Not sure what you're looking for
- Would like to buy at some stage
By the end of this stage
- You know why you're buying, and roughly when
- You understand the process from savings to settlement
- You know where you stand financially and what to fix first
- You know which government schemes you qualify for
9 chapters
Read in order, or skip to what you need.
- 01Why buy property at all?The honest case for owning, including the parts of it that get oversold.3 min
- 02Are you ready for this journey?A worksheet for the why, the when, and the why-not. The emotional part is the expensive part.2 min
- 03Understanding the journey, end to endEvery stage from first savings goal to keys in hand, with honest timings.2 min
- 04Strengthening your financial fitnessWhere you stand, what to fix first, and how much you can actually borrow.3 min
- 05How the government can helpThe 5% Deposit Scheme, the First Home Owner Grant, stamp duty concessions, the super saver scheme and Help to Buy, with the figures dated.5 min
- 06Other ways to speed up a purchaseGuarantors, gifted deposits and deposit products, with the risks each one moves onto someone else.2 min
- 07Types of mortgages and how they workFixed against variable, principal and interest against interest-only, offset accounts, and what the interest actually costs.3 min
- 08All things finances around propertyUpfront costs, ongoing costs, and how returns work if you're buying to rent out.3 min
- 09Stage 1 checklistWhat you should be able to answer before you move on to getting prepared.1 min
Next up
Stage 2: Getting prepared