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How to get on the housing ladder


If you are fed up spending large amounts of hard earned money by paying rent to a landlord, then why not look at getting on the housing ladder yourself? Renting can be a very flexible and easy option, but the time can come when you want to settle down and think as your house as a home. The landlord has probably got multiple houses and is living a very comfortable life from their rental income, and you have nothing to show for your cash. Well, now is the time to change of that and start investing your cash in a property of your own! In fact,there are many schemes that are designed to help people get onto the housing ladder and give them vital assistance. Some people may qualify for grants and low deposit loans that will make the process of buying a house and getting access to the housing ladder much more straightforward.


Talk to the professionals

First of all you, need to find some trustworthy people that can help you to make that all-important first property purchase, so make sure you talk with some knowledgeable professionals to gather the information. By askinga variety of questions, they should be a helpful guide throughout the buying process and ensure that the purchase of your property goes smoothly. Whatever company you choose should be able to assist you with things such as: securing a home loan, accessing grants and government assistance, as well as finding potential special offer deals for financing the purchase of your new home. There are many variables that have to be taken into account when finding the right deal for you, some of which could potentially pose a problem to your property purchase. Often things like monthly income, savings, loans, monthly bills are all taken into account when a company is making a decision about if they can lend you money and how much they can lend you.


Consider your budget

Your first property will usually require some form of compromise, as it is unlikely that you will find your ideal home first time round.However, if you live in Western Australia, then companies such as can help you get your first step on the housing ladder. A good company will help you with every aspect of your property transaction but, before you start approaching companies, it is a good idea to have in mind a realistic budget for how much you think you could comfortably commit to paying for a house – without regretting the decision to buy. It will very much be dependent upon your annual salary, the size of your monthly outgoings, the location which you want to live, and the size of house which will ultimately dictate what you will be able to afford. Often you will be able to find a house that is in need of renovation for a reduced price, compared to a similar sized property in the same area. Equally, if it is a larger house with more space that you are looking to buy then search for a more up and coming area rather than looking in a more established area already.


Considering all options

If your plan is to own the house or flat for a few years and then move on, you are less likely to be concerned with local schools or parks for future children to play. However, if your first house in going to be a home for life then these types of issues need careful consideration. Is the area that you are looking to but suitable for families? Are there facilities that cater for parents with young children? Thinking and planning ahead could save time and money in the future by reducing the need for moving home in the near future.



Article writer, life lover, knowledge developer and owner at

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