: Save an extra 10–20% beyond the purchase price to cover stamp duty, registration, loan fees, and immediate moving expenses.
: Ensure your total monthly housing payment stays below 31–40% of your gross income to avoid being "house poor". Scouting & Inspection best tips for buying a house
: Visit at different times of day to check for noise levels, traffic, and general maintenance. : Save an extra 10–20% beyond the purchase
: Work with an agent who knows about off-market deals to avoid fierce bidding wars. : Work with an agent who knows about
: Check your credit report for errors and aim for a score of 750+ to unlock the best interest rates.
: Look for homes with solid structural systems (plumbing, roof, electrical) but bad aesthetics like ugly paint or carpet; these are easy to fix and add instant value.