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What I Learnt When Buying my First Home

My husband and I got married over six months ago (I feel old every time I say this, but wow, how time flies!), and we recently decided it was time to buy our first home.

We have been looking at houses for around two years, as it was important for both of us that we don’t rush into anything, and that we are both happy with our decision.

Our biggest issue was whether we should buy an apartment close to the city, or buy a home a bit further from the city, as that is what our budget allowed. After lots of back and forth, we decided to put a deposit towards a house, in a beautiful area close to where my husband’s parents live.

The house is still being built, and we are hoping it will be ready in around three months. I am very excited, but also very nervous. I am not a confident driver, (and there isn’t much public transport around the area), and the house is about a 35-minute drive from the center, where all of my friends live.

I have always lived directly in the center, so it definitely will take some getting used to, but I am looking forward to the next chapter in our lives.

So what have I learnt throughout this process?

It’s a very, very, very long and drawn out process.

I had no idea how much work was involved in buying a home, and how much paperwork is needed. Just as I thought that I had finished running around from government office, to lawyer, to multiple banks, another document was requested.

It was honestly exhausting. Just the process with the bank approving our mortgage took a few months, let alone all of the rest.

There will always be extra costs

As a young couple putting all of our savings into a deposit down for our first home, we honestly believed that the price negotiated with the owner would be the price that we would pay.

Little did we know, that that certainly wouldn’t be the end of it! From lawyer fees, to realtor fees, to ‘opening a request for a mortgage fee’ (didn’t even know that existed!), we were in shock at how quickly all of those ‘extra fees’ added up so quickly.

Family members will get involved

I had no doubt that our family members would be involved in the process, but I didn’t know just how much they would be involved. 🙂

From what tiles to choose downstairs, what floorboards to choose upstairs, what kettle we should buy, to ‘which room should be the future baby’s room’ (getting a little ahead of ourselves!), our families were there, giving us their opinions loud and clear.

It can get quite stressful listening to everyone’s opinions, and trying to please them (as well as please ourselves), but at the end of the day, the whole process wouldn’t have been as special as it was, had we not done it with our lovely (and very vocal) families.

I am feeling so many emotions in the lead up to moving in. It will be a big change for me, and it will definitely be challenging at times being out of my literal comfort zone, but I also feel very blessed that we have been able to do this. Bring on the next chapter!

About Jess

Jess hails from Sunny Australia and is the youngest of the frugal ladies. She loves shopping for a bargain, reading, watching movies and spends most of her life on the beach

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  • Amanda Love

    Congratulations on finally deciding to get your own home. That’s your first as a married couple! So cute. I think we all learn a thing or to when we finally decide to take that leap. These are so accurate.

  • Debra Rutt

    First off, congrats on buying a home. It was one of the most terrifying and most rewarding decisions in my life. I too was surprised by the lengthy process, if you have a mortgage why does it take so long and yes, there’s always costs that seem to pop up from inspections, to move in, to delays and penalties!

  • Stacie @ Divine Lifestyle

    It’s absolutely CRAZY how long it can take to buy a home. That is no exaggeration. This is a great resource for anyone looking into buying a home.

  • Bill Sweeney

    It’s a lot to buy a home. A lot. You can feel like you’re drowning at times. Great read.

  • Jen Rattie

    Buying a house can be a hugely daunting process. It can make you question if you shouldn’t have just kept renting. Great read.

  • Pam

    I was shocked by how long it took to buy our first home. It really is such a process.

  • Agreed! Buying a house is a LONG process, but it is so worth it in the end. This is the place that you will build your family and you want it to be perfect. I know family is daunting at times, but it’s nice to have a little extra input when you’re making those big decisions. Congratulations to you!

  • TheNewClassy

    I didn’t know anything about the home buying process until I went through it with my husband. It is a long, drawn out process. I wouldn’t really want to go through it again.

  • Cacinda

    I remember after we finally got our firdt home saying I would never move because it was such a process. There are always more surprises than expected.

  • RachelFerrucci

    I remember when we bought our house everyone (moms) giving their opinions and it annoying me but when my daughter bought her house I was SO excited for her that I did the same thing- That was my AHA moment when I finally understand why our moms were budding in LMAO! Now we laugh and remember all the fun times (craziness) of moving in.

  • Toni Dash

    Thank you for sharing these tips! Saving then sharing this to my friends!

  • Annemarie LeBlanc

    I can relate to this post. I have been through that “exchange of opinions” and I was just so close to deciding not to buy a house. Haha. Seriously, I know things can get so overwhelming but what’s important is that you do what you feel is best for you, your husband and your future children.

  • You are certainly correct with that statement about there being extra costs in buying a house. My husband and I ran into all sorts of cost categories…it really is astounding.

  • Shannon Graham

    We have been married for 3 years and bought our first home 6 months ago. It’s so nerve-wracking the first time and yes, it’s SUCH a long process.

  • mail4rosey

    Agreed on the extra costs. They’re not optional either, you either have ’em or your out, and of course no one can predict what they will be for you, lol. Worth it in the end, but still… good to be as prepared as possible.

  • Nikki

    If you want to be as prepared as possible, build your emergency fund for several months–or even years–before you commit to the home buying process. The money will be there when you need it that way, which will make the entire purchase a lot less stressful.

  • themommyfiles

    This is definitely a great blog pot and so true! I’ve only purchased one house and there were so many things I didn’t expect and had no idea about. Thanks for sharing.