Buying a home is one of the most exciting milestones in life – but it can also be one of the most overwhelming. It’s easy to scroll through Rightmove or Zoopla, fall in love with the perfect house near Yeovil or across Somerset and start imagining your life there. But before you step through the front door for a viewing, it’s vital to know exactly what you can afford. Otherwise, you risk heartbreak if the numbers don’t add up.
At Roff Financial, we believe that setting a clear budget is the very first step towards finding your dream home. Here’s why:
Why You Should Speak to a Mortgage Advisor First
Many homebuyers start their journey by looking at properties – but this often leads to disappointment. A mortgage advisor can:
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Check your affordability: We look at your income, commitments, and credit profile to show you how much you could realistically borrow.
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Access the whole market: At Roff Financial, we have access to over 12,000 mortgages from more than 90 lenders, meaning you’ll see options you may not find by going directly to a bank.
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Get an Agreement in Principle (AIP): An AIP shows estate agents and sellers you’re serious, and it prevents wasted time viewing homes outside your budget.
The Other Costs You Need to Factor In
It’s not just your deposit and mortgage payments you’ll need to budget for. Many buyers forget the additional costs of buying a home, which can quickly add up. These include:
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Stamp Duty (if applicable)
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Solicitors’ fees
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Valuation and survey costs
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Mortgage arrangement fees
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Insurance (buildings, contents, life and critical illness cover)
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Moving costs
By preparing for these early, you’ll avoid nasty surprises later.
Avoid the Heartbreak
Falling in love with a home that’s beyond your budget can be emotionally draining. By speaking to a mortgage advisor first, you’ll have peace of mind knowing exactly what you can afford. That way, when you view a property, you can focus on whether it feels right for you and your family – not whether the numbers will work.
Local, Honest Advice Near Yeovil, Somerset
At Roff Financial, based near Yeovil in South Somerset, we pride ourselves on offering honest, friendly advice to first-time buyers, movers, and remortgagers across Somerset and the South West. With over 14 years of experience, Luke Roff has helped countless clients secure the right mortgage and protection tailored to their needs.
Your home may be the biggest financial commitment you’ll ever make – so let’s make sure it’s one you can comfortably afford.
Ready to Take the First Step?
Book your free initial consultation with Roff Financial today. We’ll help you understand your budget, explore your mortgage options, and guide you through every stage of the process.
👉 Contact us today to get started on your journey to homeownership – with no hidden surprises.
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