It’s a sad fact that many young people, and many people in general, realize that getting onto the property ladder is not as easy as it used to be. With wages stagnating, inflation rising and house valuations often going up or staying the same, it’s hard for people to get a great start with a house and to move up from there, unless they’re lucky or have someone to help them. We cannot assume to know your situation, nor can we give advise that will work for everyone in this situation. What we can do, however, is offer a few guiding principles that might help you move forward and see just what your options are. When it comes to this kind of inquiry, taking the time to consider your forward progress is important. It may take a little time, energy, enthusiasm and no small amount of perseverance, but we believe that if you keep your head down and consider your options, this can be possible for you, too. But how do you get there? With the following advice, we hope to help you in that respect:

You may have access to opportunities that not all people have, depending on your station in life and what assets you may hold. For instance, military personnel are often granted a form of relief when it comes to purchasing property near a base, or if hoping to create a family home for the first time. Similar to this, teacher mortgages could help you potentially get on the property ladder using a service that knows your situation and is willing to help. Knowing your options can be a phenomenal first step in this process - don’t be afraid to use it!

Of course, it’s important to consider your salary, or what you’re paid, as well as your partners, and to calculate all of your expenses. This helps you tally up something of an expected array of outgoings, savings, and contributions you can make. This way, you can more easily present your portfolio to certain lenders, or you may at least begin to consider what to look for when window shopping. Becoming familiar with just where you may be able to get to can help you plan your possible future.

You never know just what is out there for you. Speaking to a few services can be a great idea. Keeping your options open, such as considering purchasing an old barn and renovating it over the years could also be your way forward. What matters is that you don’t think that simply being ineligible for one approach means you’re ineligible for them all. And even if you are, keep saving, and time will be on your side. This can help you approach your situation with a sense of optimism. We have no doubt that one day, you’ll get there.

With this in mind, we hope you can find every possibility when hoping to get onto the property ladder. Everyone deserves to live in a home they love.