Setting a budget

The first step is to set your budget, for which you will need to consider your income and either any savings, or the proceeds from the sale of your existing property. If you have a property to sell,  Pinpoint Property can offer you an up-to-date and free property valuation Northern Ireland that will help you understand how much equity you have to put towards your next purchase.

If you are going to be using a mortgage to make your purchase then it's important to get this in place before you start looking. With hundreds of houses for sale Belfast, Pinpoint has teamed up with independent financial advisor Patricia McKillop whose company PMK Services can assess your borrowing potential and establish the best deal for you of all the NI Mortgages on offer in the market.  She can secure you an agreement in principle, which will help you determine how much you can afford according to the amount of deposit you have saved.  She is also there to offer you general advice on measures you can take to get yourself into the best buying position financially.

As well as the purchase price of the property, it is important to remember other associated buying costs, such as stamp duty, solicitor's fees, survey fees and, if applicable, mortgage arrangement and valuation fees.