In this climate, what top three tips would you give to first-time buyers?

Get clarity before you fall in love. Speak to a mortgage adviser early and understand exactly what you can borrow and what your monthly costs will look like. The right preparation puts you in a position of strength when the right home comes along.

Look beyond the obvious. The perfect home on day one is rare. Focus on location, layout and long-term potential rather than cosmetic finishes. Kitchens can be changed. Postcodes cannot.

Move with confidence, not fear. Markets will always shift. Trying to time it perfectly often leads to missed opportunities. If a property works for your lifestyle and your finances feel comfortable, that is what really matters.

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