Buying a home is one of the most significant financial decisions you’ll make. But with the complexity of the process, it’s easy to feel overwhelmed.

Knowing when and where to seek expert advice can make all the difference. This can help to make sure the experience goes smoothly and you’re not caught off guard by unexpected costs or challenges.

Mortgage brokers/advisors

A good mortgage broker or advisor could be invaluable when securing your home loan. They can help you choose the best deal and guide you through the mortgage maze – especially helpful if you’re a first-time buyer or have an unusual financial situation. Brokers have access to a wide range of deals that you might not find on your own and might even negotiate better terms on your behalf.

If you decide to go through a broker, make sure you’re clear on how they charge – some work on commission from lenders, while others charge a flat fee. It’s essential to compare costs and understand the fees upfront to avoid surprises later.

Mortgage lenders

While a mortgage advisor can point you in the right direction, a mortgage lender will decide whether to approve your loan and at what rate. Choosing the right lender is crucial because their policies, fees and customer service can shape a large part of your home buying and ownership experience.

When comparing lenders, don’t just focus on the interest rate. Consider the overall cost of the mortgage, including any fees for setting up the loan or for early repayment. It’s also worth looking at how flexible a lender is if your circumstances change down the line. A lender with a good reputation for customer service should make your journey much less stressful.

Estate agents

These are often your first point of contact in a property search. A good estate agent should show you properties but also help you negotiate and keep you informed about market trends. They can provide insight into areas, property prices and even guide you through the offer process.

But it’s always worth remembering that estate agents work on behalf of the seller. While they’re there to help you, don’t expect them to provide the same level of impartial advice as other professionals. Keep your own priorities in mind, and don’t be afraid to ask for clarification on things you don’t understand.

Solicitors/conveyancers

The legal side of a home purchase is long and complex. Residential conveyancing solicitors play a key role in helping this side of things go off without a hitch. These experts handle the transfer of ownership and any legal complexities that come with it. From checking the property’s title to managing contracts and completing searches, a good solicitor will make sure everything is in order before you sign on the dotted line.

It’s important to hire a solicitor or conveyancer early, as their work often begins long before you reach the completion stage. A seasoned solicitor will also flag up any potential issues, such as boundary disputes or unresolved planning permissions, which could save you from headaches down the road.

Surveyors

Before you make an offer on a property, it’s usually recommended that you arrange a survey. A surveyor will assess the condition of the home and can identify any potential problems, from structural issues to damp or outdated electrical installations. Their report may suggest specialist inspections if needed.

This step is often overlooked by buyers keen to save money, but a survey can be crucial in protecting you from expensive repairs or problems that could arise after you move in.

You have several survey types to choose from, from basic valuations to more comprehensive reports. If you’re purchasing an older property or one that might need renovation, opting for a more detailed survey is wise. The small cost now could save you thousands in the future.

Buying a home isn’t a process you have to navigate alone. By bringing in the right professionals at the right time, you’ll minimise risks while hopefully saving money and reducing stress.