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First time buyers Guide

FIRST-TIME BUYERS

The House Buying Process

Removal companies

When you move into your new home, you might move all your possessions yourself, hire a 'man-with-a-van' or use a professional removals firm.

Ring around for quotes.

Find out whether your belongings are insured during packing and transit. You may prefer to take out your own third-party insurance rather than using the removal firm's insurance, as this can work out cheaper.

You may need to decide how many of your belongings you wish to pack yourself and how much you want the removers to pack. Bear in mind that many removal firms will not insure items that they have not packed themselves.

If you need to store your furniture for a while, think about self-storage as a cheaper option than paying the removals firm. Remember to check what insurance is required while your possessions are in storage.

Make sure you keep any removals company up to date with the moving-in date.

Make sure all pallets are labelled with their contents, and provide a room plan of your new property. Colour-code both plan and pallets so that the removal men can pack your belongings into the vehicle in the right order and unpack them again at your destination.

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FIRST RUNG NOW

FirstRungNow has been set up to help first time buyers. With prices so high in the UK, many need to be shown what the financing and ownership options are. FirstRungNow is the place to go.

KEY WORKER HOMES

The Key Worker Living scheme was launched in the spring of 2004. Are you entitled?
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SHARED OWNERSHIP

Buy a share of a property, and pay rent on the rest to make it affordable.
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FINANCE YOUR FIRST HOME

If you are thinking of buying a first home, it is important you find out how much you can borrow and you understand the costs and how much deposit you will be able to put towards it.
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