First-time buyer’s checklist: Navigating South London’s property ladder 
Buying your first home is exciting, but it can also be confusing. That’s why a clear, well-structured checklist is one of the most powerful tools a first-time buyer can have. 

If you’re looking to buy in South London, you’ve probably already realised how quickly things can move. Prices vary between postcodes, listings often go under offer within days, and even working out what you can afford can feel like a challenge. 

This blog is here to help. Whether you're a renter ready to make the leap, a young professional weighing up your options, or a couple saving for your first home, this guide walks you through each stage of the buying journey. 

At Urban Village, we’ve supported hundreds of first-time buyers through the ups and downs of the process, and it all starts with knowing what to expect and where to begin. 

Your first-time buyer’s checklist 

1. Know your budget and borrowing power 
Before you start viewing anything, it’s important to get a clear idea of what you can afford. Look at your savings, consider your deposit, and factor in extra costs like stamp duty, legal fees, and surveys. A good mortgage adviser can help you understand how much you could borrow, so you’re not left guessing. 

2. Get a mortgage agreement in principle 
This is basically a quick check from a lender to say how much they’d be willing to lend you. It’s not a full mortgage offer, but it shows sellers that you’re serious, and it puts you in a stronger position when it’s time to make an offer. 

3. Decide on your must-haves and nice-to-haves 
Do you need a second bedroom? Outdoor space? Parking? Or is being near a station more important? It helps to make a list of what you really need, and what you’d love but could live without. That way, you won’t get distracted by fancy extras and lose sight of what matters most. 

4. Explore the neighbourhoods 
South London has something for everyone, from quiet leafy streets to lively high streets. Spend some time in the areas you're considering — grab a coffee, walk around the parks, check the local shops, and see what feels right. Our area guides are a great way to get a feel for different spots if you’re just starting out. 

5. Book viewings and ask the right questions 
When you’re inside a property, look at more than just the décor. What’s the condition of the windows? How old is the boiler? Is there enough storage? Ask about service charges, the lease length (if it’s a flat), and whether there have been any offers already. We’ll help you spot the things that aren’t always obvious. 

6. Think about day-to-day life, not just floorplans 
It’s not just about what’s inside the property. Is there a park nearby for a Saturday stroll? A decent pub or brunch spot around the corner? A quick route to work? Buying a home is also about buying into a lifestyle, so make sure it fits the way you actually want to live. 

7. Make an offer (and be prepared to negotiate) 
Found “the one”? Now it’s time to make your move. We’ll help you decide on a fair offer based on the local market and the seller’s situation. If there's room to negotiate, we’ll guide you through it so you feel confident, not pressured. 

8. Choose a solicitor 
Once your offer’s accepted, you’ll need a solicitor or conveyancer to handle the legal side of things. If you’re not sure where to start, we can put you in touch with people we know and trust. 

9. Arrange a survey and finalise your mortgage 
Your mortgage lender will carry out a basic valuation, but you might also want to book a survey to check the condition of the property. Meanwhile, you’ll submit the full mortgage application and wait for the formal offer to come through. 

10. Exchange contracts and get ready for moving day 
Once everything’s been checked and signed off, you’ll exchange contracts with the seller. This is when things become official. A short while later, it’s completion day, the moment you get the keys and step into your very own home.