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How to buy a home in your twenties

Investing in property is a smart move at any age, but there's no use waiting around. As Mark Twain put it, the secret to getting ahead lies in getting started. Buying a home in your twenties doesn't just offer considerable security, it's also a savvy financial plan – the benefits of which you’ll reap for years to come. Of course, the ability to purchase a home so early on in adulthood isn’t easy, otherwise everyone would be doing it. That being said, it's not an impossible task. With shrewd financial planning and a commitment to understanding the world of property, investing in your own home can become a reality well before you hit the big 3-0.

How to buy a home in your twentiesEstablish a good credit rating

Unless you're expecting to buy a home outright, assistance from the banks is necessary. To receive an acceptable mortgage offer, however, you'll need to prove you can pay back, as financial lenders across the world are approaching loans more responsibly than ever.

This usually involves establishing a solid credit rating, which tends to follow sensible money management. However, there are a few ways to expedite the process if your rating isn't good enough. Be sure to use your own name for utility bills, and to make payments in full and on time. The same goes for any credit cards you may have.

Be aware that if you share banking services – such as a joint current account – with another person, their actions may impact your credit rating.

Shop mortgages

No two mortgages are the same, so it's worth shopping around for the ideal contract. Based on your salary, deposit size and the type of property you're aiming to buy, the rates you’ll pay will vary.

It's essential that you're aware of the variety of options that are available before settling on a loan. Matching it to your situation is the key to ensuring you're able to maintain the payments on the home of your dreams.

Set aside money

After settling on the right mortgage, ensure you have a clear idea of the deposit you'll need. Calculate a realistic amount of money to save from your salary each month and make regular payments to reach your target. 

Research locations

You've heard it all before: location, location, location. There's nothing more important when you're investing in a home. It's just about the only thing you can't change about a property, so it's vital to get it right.

Understand the market

The property market is dynamic and it's worth paying attention to the changes if you plan on becoming a homeowner. The earlier you settle on a location the better, as this will means you can compare similar homes in the area before putting in an offer of your own.

Engel & Völkers has years of experience in the real-estate industry, assisting individuals of all ages climb the property ladder. Take a look at the E&V website or visit us in person to see how we help young people all over the world make their first move.

Engel & Völkers

Gent-Zuid • Sint-Martens-Latem
Kortrijksesteenweg 118
9830 Sint-Martens-Latem
Belgium | BIV/IPI 506.072
+32 9 282 42 00

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