What Can I Afford? Let’s Break It Down Properly

What Can I Afford? Let’s Break It Down Properly

Whether you’re a first-time buyer, upsizing, or downsizing, the most important question comes early: “What can I actually afford?” This isn’t just about how much you can borrow—it’s about what makes sense for your lifestyle, goals, and long-term stability. Here's how to get real clarity before you start house-hunting:

🧑‍💼 Meet with a Mortgage Advisor (Not Just a Calculator)

Online mortgage tools are fine for a rough estimate—but if you're serious, you need real numbers and real advice.
A mortgage advisor will:

Tell you exactly what you can borrow

Break down repayments and interest

Help you understand your monthly commitment

Check deals across the whole market

We can connect you with trusted advisors who’ll walk you through the process—no pressure, no jargon.

💷 Factor in All the Costs—Not Just the House Price

Your deposit and monthly mortgage are just the start. Make sure you're budgeting for:

Stamp duty

Legal fees

Surveys

Moving costs

Furnishings and initial work

Ongoing maintenance or leasehold charges

Buyers often overstretch on the purchase price, only to get caught out by the extras. Plan smart, not tight.

🎯 Work Backwards from Your Goal

Ask yourself: What do I actually want out of this move?
Then ask: What do I really need to get there?

Working backwards helps you draw the line between what’s essential (location, number of bedrooms, school catchments) and what’s just nice-to-have (bi-folds, home office, en-suite).

This approach keeps you grounded and focused—especially when you're facing fast-moving markets and tempting listings.

Key take away:
Affordability isn’t just about what the bank says—it’s about what works for you. Talk to the right people early, get the full picture, and set your sights on a move you’ll be proud of, not stressed about.

Your property journey starts here.


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