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Renovating Checklist  1. Define Your renovating Goals What do you want to achieve? (e.g., more space, modern design, better layout) Is it for resale value or personal comfort? How long do you plan to stay in the property? 2. Set a Realistic Budget Total amount you're willing to spend Include 10–20% contingency for unexpected costs Research ceiling prices in your area to avoid overcapitalising 3. Prioritise Renovation Areas Kitchen Bathroom Flooring Lighting Structural changes (walls, extensions, loft) Cosmetic upgrades (paint, fittings, fixtures) 4. Get Planning Permission (if needed) Check with your local council if your renovation requires approval Ensure your works are compliant with building regulations 5. Renovation Insurance Renovation Insurance should be taken out before works begin Standard home insurance won’t  cover ongoing building work, accidental damage, or structural alterations See link at end of checklist 6. Choose Your Team Architect or designer (if structural) Builder/contractor Plumber/electrician Interior decorator (optional) Always get multiple quotes and check reviews or references 7. Finalise Design and Materials Pick finishes and fixtures early Order materials in advance to avoid delays Decide on layout, colour scheme, and style  8. Create a Timeline Set a realistic timeframe with milestones Include buffer time for delays Communicate regularly with your contractor 9. Prepare Your Home Clear out rooms that will be renovated Protect furniture and belongings Plan for alternative living arrangements if necessary 10. Track Progress & Costs Keep receipts and invoices Regularly review your budget Monitor the work being done to avoid surprises 11. Final Checks Request any necessary certificates (e.g., gas safety, electrics) Walk through the finished space with your contractor before final payment

Renovating Renovating your home can feel exciting — new kitchen, extended living space, better bathrooms — but before you start knocking down walls or upgrading fittings, there’s one critical question to ask: Will it actually add value to your property? Understanding the Ceiling Price Every street or neighbourhood has a “ceiling price” — the maximum amount a buyer is likely to pay for any property on that road, regardless of how stunning the interiors are. It’s usually determined by recent sales data and the general appeal of the location. Let’s say properties on your road typically sell for no more than £650,000. Your current property is valued at £600,000, and you're considering spending £100,000 on renovations. Sounds good in theory — but here’s the problem: Even with that investment, your home is unlikely to sell for £700,000. Buyers just won’t pay that much if the most comparable house on the road, maybe even bigger or better located, sold for £650k. That means you risk overcapitalising — spending more than you’ll ever get back. When to Think Twice You should be cautious about major renovations if: You’re already near the ceiling price for your area. You plan to sell within a few years. You’d be funding the work with debt, hoping it’ll “pay off” later. The improvements are overly personalised (e.g., high-end home cinema, luxury wine cellars) that most buyers wouldn’t value equally. So, What’s the Alternative to Renovating? If you love your home and plan to stay long-term, renovating for comfort is totally valid. But if you're doing it purely for resale value, make sure you're not about to spend £100k to gain £30k. Sometimes, small cosmetic upgrades, clever staging, or simply waiting for the market to rise can give better returns than a full-on renovation.

10 ways to feel safer at home Moving into your own place is a huge milestone — exciting, empowering, and let’s be honest, a little daunting too. Whether it’s your first flat or you’ve just said goodbye to housemates, living alone as a woman comes with both freedom  and a few fears. The good news? Feeling safe isn’t about being paranoid — it’s about being prepared. Here’s how to make your space feel like the safe, secure haven it should be. 1. Change the Locks (Seriously, do it) If you've just moved in, you have no idea  who still has keys. Past tenants? Maintenance people? Exes? Get those locks changed as soon as you can — it's a small cost for peace of mind. You're not overreacting you just want to feel feel safe at home. 2. Upgrade the Basics: Curtains, Lights, Blinds This sounds so simple, but it makes a huge difference: Keep curtains or blinds closed at night, especially in the front rooms or bedroom. Use smart lights or plug-in timers to create the illusion you’re home when you’re not. Add a lamp near your front door so you’re not fumbling in the dark. 3. Get a Video Doorbell or Camera If you're renting, this can feel like overkill — but many video doorbells (like Ring or Eufy) are totally renter-friendly  and easy to install. You’ll always know who’s at the door, and most record footage too. Even having one visible can act as a deterrent  4. Fake a Housemate or Pet This one’s old school — but it works: Hang an extra coat by the door Leave out an extra pair of shoes Get a “Beware of the Dog” sign (even if you’ve only got a houseplant) Little touches make it look like you’re not living solo. 5. Door Safety Matters More Than You Think Always use a chain or door restrictor when answering the door to someone you don’t know. Don’t feel pressured to open it just because they knock — even if it’s someone claiming to be from the gas company.  6. Share Your Location (With One Trusted Person) There’s something oddly comforting about knowing someone else can see where you are. Share your location with a close friend or family member, especially if you're out late or on a date. 7. Trust Your Gut (Always) If someone’s knocking and something feels “off”, don’t open the door. If you feel weird walking home, change your route or hop in a cab. If you're anxious about a handyman appointment, have a friend pop over or FaceTime them while the person’s there.  8. Double Check Before Bed Yes, it’s the classic "Did I lock the door?" moment. Make it part of your bedtime routine: Front door locked? ✅ Windows shut? ✅ Lights off or on timers? ✅ It helps calm your mind — and helps you sleep better. 9. Create a Calm Bedroom Vibe Your bedroom should feel like your little sanctuary. Think: A dimmable lamp or fairy lights White noise machine or a calming playlist Cosy bedding and your favourite scent When you feel  secure and relaxed in your space, it becomes easier to enjoy your own company. 10. Remember: Living Alone Is a Power Move You don’t need to apologise for it or explain it away. You’re independent. You’re building your own space. And while being safety-savvy is important, don’t let fear rob you of the joy of solo living. Want more tips like this? Join the Ladies Living Alone club on PropBubble — where we share safety hacks, stories, and home inspo for women doing it all on their own (and loving it). What to Do Why It Helps Change the locks You never know who has a spare key Use smart lighting & blinds Keeps your routine private Get a video doorbell See who’s knocking without opening Fake a housemate or pet Adds an extra layer of “presence” Trust your instincts They’re there for a reason

If you're buying your first home, one of the biggest questions you’re probably asking is: “How long will this actually take?” The answer? It varies — but understanding the typical timeline can help you feel more prepared and less overwhelmed. Here’s a step-by-step breakdown of what to expect and how long each stage usually takes in the UK. How long does it take to buy a home?  Step 1: Get a Mortgage in Principle Time: 1–2 days Before you start house hunting, it’s wise to get a Mortgage in Principle (MIP). This is a statement from a lender saying they’d likely lend you a certain amount, based on basic financial checks. It shows estate agents you’re a serious buyer — and helps you stay within budget. Step 2: House Hunting Time: 2 weeks – several months This is the most variable part of the process. Some people find “the one” quickly, others view dozens of homes. It depends on: Your budget Your location The state of the market Tip: Be prepared to act quickly if you find something you love — good properties go fast! Step 3: Make an Offer Time: A few days Once you find the right property, you’ll make an offer through the estate agent. The seller can accept, reject, or negotiate. If your offer is accepted — congratulations! You’re now “under offer”. Step 4: Apply for a Mortgage Time: 2–4 weeks Now you’ll submit your full mortgage application. The lender will carry out more in-depth checks, including a valuation of the property. This step can take longer if extra documents or follow-up queries are needed. Step 5: Instruct a Solicitor (Conveyancer) Time: Begins straight after offer accepted – runs in parallel Your solicitor handles the legal side of the purchase, known as conveyancing. They’ll check contracts, the title register, search local authority records, and ensure the property is legally sound. This typically takes 8–12 weeks, depending on how complex things are. Tip: Make sure you check in with them every week! Step 6 : Property Survey (Optional, but recommended) Time: 1–3 weeks You might choose to book a survey to check the condition of the property. This can help you spot costly repairs early — and possibly renegotiate. Tip: Once the offer has been accepted you could get a survey booked in. Depending on the area, some surveyors having a 4 week waiting list. Step 7: Exchange Contracts Time: Happens once all checks are complete Once your solicitor is satisfied, you’ll exchange contracts with the seller. This is the point where the deal becomes legally binding. You’ll also pay your deposit — usually 5–10% of the purchase price. From here, you’ll agree a completion date – often one to two weeks later. Step 8: Completion Time: Usually 1–2 weeks after exchange On completion day, your solicitor transfers the money, and you get the keys. You’re officially a homeowner! So, What’s the Total Time? From offer accepted to completion, the process typically takes 8–12 weeks. If you include house hunting and getting your finances in order, the full journey can range from 3 to 6 months — or longer in a busy market. Buying your first home is exciting, but it can feel slow at times. Staying organised, choosing a good solicitor, and keeping in regular contact with your estate agent can help keep things moving. Every step gets you closer to your new front door — and we’re here to guide you through it.

Saving for a first home can feel overwhelming — especially with rising costs and a deposit that seems to grow faster than your bank balance. But with a smart plan and a few strategic habits, getting the keys to your first place is totally within reach. Here’s how to break it down and build it up : 8 steps to save for your first home   Set Your Goal: Know What You’re Saving For? Before you start saving, figure out how much you need. In the UK, most first-time buyers need: A deposit of 5%–20% of the property’s value Extra costs like legal fees, surveys, moving expenses, and possibly stamp duty, Example: Property price: £250,000 10% deposit = £25,000 Estimated extras = £3,000–£6,000 Total savings target: ~£30,000 Use this number as your north star — and break it into monthly targe 2. Open a Lifetime ISA (LISA) If you’re aged 18–39, this is the  best way to save for your first home. Save up to £4,000/year The government adds 25% (up to £1,000/year)  🤑 Must use it for a first home under £450k  or for retirement Tip:  Even if you can't save much now, open one and deposit something . You only get the 25% bonus if the money’s in there! 3. Track Your Spending (The Honest Bit) Take a look at your last 2 months of spending. Identify: Subscriptions you forgot about Takeaways you didn’t need Impulse buys you regret Cutting just £100–£200/month = £1,200–£2,400 a year towards your deposit. 4. Set a Monthly Standing Order Make saving automatic: Set up a standing order the day you get paid Send it to your LISA or a separate savings account Start small: £100/month adds up — and you won’t miss it after a while 5. Boost Your Income Saving is easier  when there’s more to save. Consider: Freelancing on the side Selling unused items online, look at Vinted, Depop and similar sites Asking for a raise (seriously, it matters) Switching to a higher-paying job (even short-term) Even an extra £200/month could fast-track your goal. 6. Use Windfalls Wisely Birthday money? Tax refund? Work bonus? Instead of splurging, split it: 80% to your deposit fund 20% for something fun (no guilt allowed) 7. Consider a High-Interest Account or Fixed Saver Look for: High-interest savings accounts Fixed-term savers with better rates Or pair your LISA with a regular saver account 📌 Just make sure you can still access funds when needed for your house purchase. 8 . Stay Sane & Celebrate Milestones This isn’t all-or-nothing. Every £100 saved is progress. Treat yourself (within reason) when you hit a goal: Hit £5,000? Celebrate with a fancy dinner. Hit £10,000? Take a weekend off planning. In summary: Step What to Do 1. Set a target Know your deposit + extras total 2. Use a LISA Free 25% from the gov 3. Track spending Trim the fat 4. Automate saving Standing orders = no excuses 5. Boost income Side hustle or raise 6. Use windfalls Be intentional 7. Choose good accounts Maximise interest 8. Celebrate progress Keep your sanity ✨

What is an ISA? If you're saving for your first home, you've probably heard the term ISA  thrown around a lot. But what exactly is it, and how can it help you get on the property ladder faster? Let’s break it down. ISA = Individual Savings Account: An ISA (Individual Savings Account) is a tax-free savings or investment account. That means you don’t pay income tax or capital gains tax on the money you earn inside the ISA — which is a win when you’re saving hard for a deposit. There are a few types of ISAs, but two are especially useful for first-time buyers. 1. Lifetime ISA (LISA)  – The Homebuyer’s Best Friend If you're aged 18–39, this one’s made for you. Here’s why: Save up to £4,000 a year Get a 25% bonus from the government — that’s up to £1,000 a year Use it towards your first home (worth up to £450,000) or keep it until you’re 60 for retirement Must be open for at least 12 months before you can use it to buy a home ✅ Perfect if you're planning ahead for a deposit ⚠️ Heads up:  You can only use it once for a house purchase, and if you withdraw for anything else before age 60, you’ll pay a penalty. 2. Cash ISA  – A Simple Savings Option A Cash ISA is basically a savings account where the interest you earn isn’t taxed. No age or home-buying restrictions Easy access to your money (depending on the type of Cash ISA you choose) Annual limit across all ISAs: £20,000 for the 2024/25 tax year ✅ Great if you're building a savings pot alongside a LISA Quick Tips for First-Time Buyers: Open a LISA ASAP  if you’re eligible — the sooner you start, the more you can earn in bonuses. Stick to the rules  — withdrawing early from a LISA can cost you. You can have more than one ISA  — like a Cash ISA and a LISA, as long as you don’t go over the £20k annual limit across all ISAs combined. An ISA, especially a Lifetime ISA, can be a powerful tool in your first-home savings strategy. Think of it as a boost from the government to help you get those keys in your hand faster. Just make sure you understand the terms, stay consistent with your savings, and make your money work smarter — not harder.

Congratulations, homeowner! You’ve got the keys, the kettle’s on, and your space is finally yours. Living alone for the first time – especially in your own home – is equal parts empowering and exciting. However, when Friday rolls around and the group chats go quiet, it’s good to have a few solo evening ideas up your sleeve. The perfect Friday night living alone! Indulge in a Luxury Home Spa Evening Transform your new house into a personal retreat by setting up a spa night designed exclusively for you. Light some scented candles, play soothing music, and prepare a warm bubble bath with your favourite essential oils. If you only have a shower, you can still use bath oils (Aromatherapy have a fantastic range!). Consider giving yourself a pampering facial mask or trying a new hair treatment routine. This isn’t just an evening of relaxation—it’s also a wonderful way to embrace self-care, helping you to recharge and feel confident in your new space. 2. Host a Themed Movie Marathon Why not turn your living room into a cosy cinema for the night? Create a movie marathon featuring your favourite genre or choose a theme that excites you—perhaps quirky British comedies or inspiring biopics of trailblazing women ( you can never go wrong with a Sex in the City marathon) Make sure to prepare a selection of snacks, from popcorn and nachos to a selection of fine cheeses and crackers. Whether it’s a solo screening with a warm blanket or an invite for a virtual watch party with friends, this activity allows you to relax and enjoy your personal tastes in entertainment. 3. Experiment in the Kitchen with a Culinary Challenge Have a Friday night series, where you challenge yourself to cook something new every Friday! Use your Friday night as a chance to get creative in the kitchen. Search for new recipes online or invest in a trendy cookbook, and challenge yourself to cook a dish that you’ve never tried before. Whether it’s experimenting with international flavours or perfecting a classic British dish with a twist, cooking can be an exciting way to enhance your culinary skills while making your new house feel even more like home. Plus, the end reward is a delicious meal to savour at your favourite dining nook. 4. Enjoy a Virtual Social Evening Just because you live alone doesn’t mean you have to spend Friday nights in solitude. Arrange a virtual catch-up with friends or family via video call, and share laughs, stories, and even a glass of wine together. You could organise an informal book club discussion, a craft session, or even a themed dress-up night that makes everyone look forward to the weekly gathering. This not only helps maintain your social life but can also provide new ideas and inspiration for decorating and improving your home. 5. Create a Personal Hobby Space Your new home is a blank canvas waiting to reflect your personality. Spend an evening setting up a cosy corner for one of your hobbies—be it reading, painting, gardening (if you have a sunny spot), or even writing in a journal. This dedicated space can quickly become your go-to retreat after hectic workdays. Personalise it with items that bring you joy, such as photos, a comfy cushion, or inspirational quotes. Over time, this space will grow with you, offering a haven where every Friday night can become a celebration of your creativity and personal growth. Moving into your first house is a thrilling milestone that opens the door to exciting new rituals. By embracing these activities, you not only enjoy your Friday nights to the fullest but also create a home environment that nurtures your well-being and self-expression. Celebrate this freedom, experiment with new ideas, and most importantly—have fun living your best life in your very own space.

House You’ve found the one  — the home you’ve been picturing yourself in. Now what? Making an offer can feel terrifying when you’ve never done it before, but don’t stress. Here’s how it works, step-by-step, with zero judgment and zero estate agent lingo. Work Out What You Can Afford Before anything else, check how much your mortgage lender is willing to give you — this is your Agreement in Principle  (aka AIP). Know your budget Factor in your deposit Don’t forget legal fees, stamp duty (if applicable), and moving costs Hot Tip: J ust because you’re offered a big mortgage doesn’t mean you should spend all of it. Research the Value of the house Don’t just take the asking price at face value. Look at similar properties that recently sold in the same area Check how long the house has been on the market Ask the estate agent if there have been other offers or price drops Request that the agent asks the seller if there are any known title issues with the property. This will come out in the legal pack, but it's better to know beforehand Knowledge = power when negotiating. Tell the Estate Agent You Want to Make an Offer You can call or email — either way, it should be in writing eventually. Be clear: “I’d like to offer £XXX for the property at [address]. I’m a first-time buyer with an AIP in place and no chain, so I can move quickly.” Hot tip:  Mention that you’re chain-free. Sellers love  that. Negotiate (If You Want To) If your offer isn’t accepted right away, don’t panic. You can increase your offer Ask what the seller is looking for (timing, amount, conditions) Be polite, but firm — you’re allowed to negotiate! It’s a business deal, not a personal rejection Offer Accepted? Amazing — Now It Gets Real The estate agent will confirm your offer in writing. Next steps: Instruct a solicitor or conveyancer Finalise your mortgage application Book a survey Start the legal process (searches, contracts, etc.) 🎉 You’re officially on your way to owning your first home A Few Extra Tips: Never feel pressured to offer more than you’re comfortable with Always put your offer in writing Don’t skip your own research — agents represent the seller, not you Making an offer can feel scary, but it’s honestly just a series of steps. Stay calm, ask questions, and know that everyone  feels a bit clueless the first time. You’ve got this!

When you're a first-time buyer, it's easy to nod along politely during a viewing and forget to actually dig into the important stuff. You ask about council tax, maybe the service charge… but what about the questions that reveal the real story  behind a property? Here are 7 questions estate agents wish you wouldn’t ask — but absolutely should: What to ask the Estate Agent 1. Why is the owner really selling You’re not just being nosy — motivation matters. If they’re in a rush, you might have room to negotiate. If it’s been inherited or they’re moving abroad, you might face fewer emotional roadblocks. 2. How long has it been on the market? If it’s been sitting for a while, ask why . Are there issues scaring off other buyers? Did a previous sale fall through? Time on the market can be a negotiation weapon! 3. Have there been any offers — and why were they rejected? This gives you a sense of how realistic the asking price is and what kind of offers are getting attention. 4. What’s the seller’s ideal timescale This is gold for getting your offer accepted. Match their timing (if you can) — whether they want a quick sale or a few months to sort their own move. 5. What’s included in the sale? You’d be surprised how many people forget this one. The garden shed? The outdoor office? Curtains? You can then budget for what you may need to buy for it. 6. Any known issues with the property or neighbours? Legally, major problems should be disclosed later in the process — but asking upfront can reveal a lot through tone, hesitation, or vague answers. 7. How did you decide the asking price? It’s a polite way of saying: Is this actually worth it?  If it’s priced based on recent sales in the area, great. If it’s based on vibes, you’ll know to tread carefully. Bonus Tip!: Don’t be afraid of silence. Ask a question and wait . Estate agents often fill the silence — and sometimes, that’s when the good stuff comes out. Buying your first place is a big deal. These questions don’t just make you sound savvy — they could save you thousands (and a whole lot of stress) in the long-run.

Getting on the property ladder is a major goal —but with rising prices, endless fees, and scary headlines, it can feel completely out of reach. The good news? It is  still possible. You just need the right strategy, solid planning, and a few smart moves. Here’s how to take your first step onto the ladder—without draining every penny from your bank account. 1. Start With the Real Numbers Forget the glossy Instagram homes for a sec. The best thing you can do first is get real about what and where you can afford—not just what you want . Use online mortgage calculators to see what lenders might offer you (usually around 4–4.5x your salary). Factor in costs beyond the deposit: solicitor fees, surveys, removals, and potentially stamp duty. Top tip:  Create a "mock mortgage budget" now. Start living as if you're already paying a mortgage—see if it’s doable, and use the leftover cash to build your deposit. 2. Consider Government Schemes There are several schemes in the UK aimed at first-time buyers, and they’re worth a look. Shared Ownership  – Buy a portion of a property (usually 25–75%) and pay rent on the rest. (see our other article on this) First Homes Scheme  – Offers a 30–50% discount to eligible first-time buyers. Lifetime ISA (LISA)  – Save up to £4,000 a year and the government adds 25% on top. These schemes can massively reduce the upfront costs—but make sure you fully understand the long-term terms before committing. 3. Be Flexible About Your Property Location Everyone wants the dream postcode, but smart buyers look for potential , not perfection. Search in up-and-coming areas, not just the ones you’ve heard of. Look at transport links, new developments, and local investment (all signs of a rising area). Think: "Where will be cool in 5 years?" You don’t need your forever  home—just a first  home that helps you build equity. 4. Say No to Lifestyle Pressure Buying your first property might mean cutting back for a while—and that’s okay. You don’t need to stop living, but you do  need to get intentional. Cancel unused subscriptions, yes you don't need Netflix, Amazon Prime, Disney+, AppleTV, and a PRET subscription Make your own "fakeaways" Ask yourself: “Would I rather spend £150 on a weekend trip—or be £150 closer to owning my place?” Small shifts over 6–12 months can be game-changing. 5. Use a Mortgage Broker You Trust A good broker will: Find you deals you can’t access directly, Advise on what lenders actually want  to see, And walk you through the jargon. They’ll often be paid by the lender, so it won’t cost you anything (but double check). Even if you’re not buying just yet, a 15-min chat could reshape your whole plan. 6. Don’t Rush—But Don’t Wait Forever Trying to "time the market" is a losing game. Prices rise, rates shift, and something will always  feel uncertain. If you're financially and mentally ready, and you've done your homework—take the leap. Buying young doesn’t mean going broke. It means being smart, patient, and a little bold. You can  get on the property ladder without selling your soul (or your social life). Start with knowledge, build a plan that works for you , and don’t let fear stop you from making your move. 📌 At PropBubble, we break it all down—no jargon, no drama. Just clear, smart advice for first-time buyers like you.

Getting a mortgage can feel like a maze—especially if it’s your first time buying a home. However, once you break it down, it becomes much more manageable. Here's a clear, step-by-step guide to help you navigate the process. Getting a mortgage 1. Work Out How Much You Can Borrow Before anything else, figure out how much you can realistically afford. Use online mortgage calculators (e.g., from Halifax or Nationwide). Most lenders will let you borrow around 4–4.5 times your annual salary. Consider your outgoings: credit cards, car finance, subscriptions, etc. 💡 Top Tip:  Your affordability is based on your income and spending habits—lenders will check your last 3–6 months of bank statements. Do you really need that PRET subscription? 2. Save for a Deposit You’ll usually need at least 5% of the property price as a deposit. However, for better mortgage rates, aim for at least 10%–20%. Breakdown: Property Price: £300,000 5% Deposit: £15,000 10% Deposit: £30,000 💡 Top Tip: Budget for fees (surveys, solicitors, stamp duty). 3. Check Your Credit Score Lenders use your credit score to decide if you’re trustworthy to lend to. Use free apps like ClearScore , Experian , or Credit Karma . Make sure your name and address are correct on the electoral roll. Avoid applying for new credit just before a mortgage application. 💡 Top Tip:  Pay off any overdrafts or credit cards if you can—it shows lenders you manage money well. 4. Decide If You Want a Mortgage Broker You can go direct to a lender (like a bank), but many people use a mortgage broker to shop around for the best deals. Pros:  They save you time and can access deals not available to the public. Cons:  Some charge a fee, though many are free (they get paid by lenders). 5. Get a Mortgage in Principle (MIP or DIP) This is a quick check from a lender that says, “In theory, we could lend you X amount.”  Estate agents often ask for this before taking you seriously. It’s not a guarantee, but it’s a strong signal. Valid for around 30–90 days. 💡 Top Tip: Make sure that you understand the different mortgage options offered to you. 6. Find a Property and Make an Offer Now that you know your budget, you can start house hunting. Use sites like Rightmove  and Zoopla . When you find something, make your offer through the estate agent. Once accepted, things move fast—be ready with your broker or lender. 7. Submit Your Full Mortgage Application Your broker (or you) will now submit your full application to the lender. They’ll ask for: Payslips (usually 3 months) Bank statements (3–6 months) ID documents Proof of deposit They’ll also carry out a valuation on the property. 8. Receive Your Mortgage Offer If all checks out, you’ll get your official mortgage offer. This means you’ve been approved and can move forward with buying. 💡 Top Tip: This usually takes 2–4 weeks from the full application. 9. Exchange Contracts & Complete Once your solicitor is ready, you'll exchange contracts and pay your deposit. Completion (aka moving day!) usually happens a week or two after. You’ll officially own the property once funds are transferred. Get the keys and pop the champagne Summary Checklist ✅  Work out your budget  Save your deposit  Check your credit score  Choose a broker or lender  Get a Mortgage in Principle  Find a home + make an offer  Submit full application  Receive mortgage offer  Exchange + complete Use PropBubble for more tips, insights and interviews!

So, you’re in your 20s or 30s, living the grind, and trying to figure out whether buying a house in 2025 is a smart move, or if it’s better to just keep renting. The idea of owning your own place sounds exciting, right? But then reality hits — the price tag, the market, and all those questions that swirl around in your head. So, what’s the deal? Let’s break it down. Here's the truth about whether you should be jumping into the property market or just keep renting for a bit longer. The Case for Buying in 2025: 1. Interest Rates Are High... But So Are Rent Prices Yes, interest rates are higher than they've been in the last couple of years. But here's the thing: rent prices aren’t exactly dropping either. In fact, they’re sky-high, and they’re not showing signs of slowing down anytime soon. If you’re paying a few thousand a month for rent, you could be throwing that money into a mortgage. Whilst the interest rates might sting a little bit, once you’ve paid off your mortgage, the house is yours; albeit this will most likely take years to do. 2. You’re Sick of the Landlord Life Let’s face it — living with a landlord’s rules can get old. Maybe your lease is up, and you’ve had enough of being told: You can't paint the walls that cool shade of blue. You can't have a pet. You can’t even hang a picture without getting a lecture about holes in the wall. Homeownership means freedom — no more asking for permission to customise your space or wondering when your rent is going to increase. 3. It’s a Long-Term Investment Property is usually a solid long-term investment. In the right location, your home could increase in value over time. So, whilst the upfront costs might be tough to swallow, owning your home could pay off in the long run. Plus, once your mortgage is paid off, you won’t have to worry about rising rent prices anymore. The Case for Renting in 2025: 1. High Initial Costs (Hello, Deposit) The upfront costs of buying a home are no joke. The deposit alone is a massive chunk of change, plus you’ve got closing fees, stamp duty, legal fees, and potentially a survey or home inspection cost. If you don’t have a solid chunk of savings, buying can feel like an impossible mountain to climb. When you rent, the only big cost you have to worry about is the deposit (which, let’s face it, is way more manageable than a 20% deposit on a £400,000 home). If you’re in a position where saving for that down payment feels years away, renting might be the more practical option for now. 2. Uncertainty in the Market The property market is notoriously unpredictable. In 2025, prices are still fluctuating, and predictions about future price growth are mixed. Yes, property can appreciate, but it can also decrease in value, depending on the market. If you buy at the wrong time, you could end up paying more than your home is worth. Renting, on the other hand, gives you more flexibility. You’re not tied down, and you can adjust based on the market. If things are looking bad, or you find a better place to live, you can pack up and move without the financial headache of selling your home. 3. Maintenance Woes Are Not Your Problem One of the best parts about renting? When something breaks, you’re not the one responsible for fixing it. If the heating goes out or the roof leaks, it’s the landlord’s problem, not yours. In a house you own, these issues could be costly — and it’s all on you to handle repairs, which can be a massive financial and emotional burden. So, What’s the Verdict? Should You Buy or Keep Renting? At the end of the day, the decision comes down to what fits your personal situation. Here are the big takeaways: If you’ve got a steady job, a decent savings cushion, and are ready to commit long-term, buying could make a lot of sense. It’s an investment in your future, and while it might seem daunting, getting onto the property ladder earlier rather than later could pay off down the line. Plus, who doesn’t want to stop paying rent? But if you’re not quite ready to settle down, or if you don’t have enough saved for that big deposit, renting gives you flexibility. You can save up more, take advantage of lower rent prices (in some areas), and keep your options open. If you are looking to start a business, take a career break or go travelling then renting allows you to do that more easily than if you were to purchase a property. The property market can be unpredictable, and renting allows you to ride out the storm whilst you wait for the right moment to buy.