I Bought a House in the UK: 10 Rules I Wish I Knew Sooner

Buying your first home in the UK in 2026? I made expensive mistakes so you don't have to. These are 10 house buying rules every first-time buyer needs to know from protecting your credit score to negotiating thousands off the asking price. Watch before you start your mortgage application. 👉🏽 First-Time Buyer's Guide: https://stan.store/thechiderapeters/p... 👉🏽 House Viewing + Move-In Day Checklist: https://stan.store/thechiderapeters/p... 📲 Book your FREE initial call with a qualified Mortgage Advisor http://apply.firsttimefinance.co.uk/c... ________________ 📌 CHAPTERS: 0:00 The mistake that costs buyers thousands 0:37 Rule 1: The credit trap before your mortgage 2:10 Rule 2: The one habit that protects your money 2:54 Rule 3: A simple trick that saves hours of stress 3:51 Rule 4: What your solicitor won't always catch 6:38 Rule 5: The hidden costs nobody warns you about 9:41 The Mortgage Advisor I recommend 10:24 Rule 6: Why the bank's number is wrong for you 11:11 Rule 7: The extra fund most guides don't mention 11:51 Rule 8: Your non-negotiable safety net 13:01 Rule 9: How to save thousands when negotiating 15:15 Rule 10: What to actually look for at a viewing 17:08 What to do next ________________ I bought my first house as a foreign national living in the UK and learned these lessons the hard way. In this video I break down the 10 most important rules for first-time buyers in 2026 covering everything from credit scores and mortgage applications to stamp duty changes, solicitor fees, negotiation tactics, and what to actually check when viewing a property. This video is for you if: → You're saving for your first deposit in the UK → You're about to apply for a mortgage → You're a foreign national or migrant buying property in England → You want to avoid the mistakes that cost first-time buyers thousands Topics covered: → Credit score mistakes before mortgage applications → How to calculate true affordability (not just the mortgage) → Stamp duty for first-time buyers in 2026 → Negotiation strategies for new builds and older properties → What to check at a property viewing → Emergency funds and buffers beyond your deposit → Solicitor fees, hidden costs, and the fine print ________________ 🔗 RESOURCES MENTIONED: → First-Time Buyer's Guide: https://stan.store/thechiderapeters/p... → House Viewing Checklist: https://stan.store/thechiderapeters/p... → FREE initial call with a qualified Mortgage Advisor http://apply.firsttimefinance.co.uk/c... → CheckMyFile — check all 3 credit reports: https://www.checkmyfile.com (30-day free trial, then £14.99/month - cancel anytime) → Monthly Mortgage Repayment Calculator: https://www.moneysavingexpert.com/mor... → HM Land Registry title search (£7): https://www.gov.uk/search-property-in... ________________ 📺 WATCH NEXT: → Don't Buy a House Until You Watch This (UK First-Time Buyers)    • Don't Buy a House Until You Watch This (UK...   → Lifetime ISA for First Time Buyers in the UK: My Review and Costly Mistakes to Avoid    • Lifetime ISA for First Time Buyers in the ...   ________________ ⚠️ Disclaimer: This video is not financial advice. I'm sharing my personal investment journey for educational purposes only. Always do your own research and consider speaking to a financial professional before making investment decisions. ________________ FOR COLLABORATIONS/SPONSORSHIPS Please get in touch with me [email protected] ____________________________ KEEP IN TOUCH Tiktok:   / thechiderapeters   Instagram:   / thechiderapeters   Twitter:   / chiderapeters_   ______________________________ MY GADGETS 📹 Camera https://amzn.to/4anHFop 🎤 Microphone https://amzn.to/3Jtw4Zv 📸 The Lens https://amzn.to/4aL0guE 💡The lights I use https://amzn.to/484rRqo 💻 The screen extension I use https://amzn.to/3EHDWqW _________________________ Thanks for watching! #FirstTimeBuyer #BuyingAHouse #UKProperty #FirstTimeBuyerUK #HouseBuying2026 #MortgageAdvice #PropertyTips #FirstHome #UKHousing #savingforahouse