ULTIMATE STEPS TO BUYING A HOUSE - EVERYTHING YOU NEED TO KNOW! *must watch* | Property Series 101

Hello Breakers! (I think this might be the official name for our community now...)
The Property Series has officially kicked-off! In today's video I take you through the overall key steps to getting on the property ladder for all you budding first-time buyers. Although this is just a basic guide, I will be going into way more detail on each of these steps, as the series continues, and doing my best to provide you with as much useful information and insight as possible. Whilst this is based on buying property in the UK, a lot of these steps still apply to anywhere in the world!
If you have any specific property-buying related topics that you would like me to cover in this series, leave a comment below!
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[@The_Break]

The Property Series has officially kicked-off! In today's video I take you through the overall key steps to getting on the property ladder for all you budding first-time buyers. Although this is just a basic guide, I will be going into way more detail on each of these steps, as the series continues, and doing my best to provide you with as much useful information and insight as possible. Whilst this is based on buying property in the UK, a lot of these steps still apply to anywhere in the world! If you have any specific property-buying related topics that you would like me to cover in this series, leave a comment below!

[@oliviaaustin1891]

Looking forward to the next instalment Patricia! Thank you so much for creating this channel :D

[@almetas_grandbaby]

Thanks for putting this out there!!! This was easy to understand, and helped me understand which steps I need to be focused on. I appreciate this FREE knowledge! I truly truly do. Is there any book you would recommend that you used as a resource in your research/experience around this area?

[@KuchJ.]

Thank you Patricia you have been such an amazing person for the years I've been watching you. Not everyone is willing to share these bits but here you are sharing your knowledge with us for FREE ( we dont deserve you )😘😍

[@ohreally404]

The Break Platform ! I’m so excited about these new videos. Thanks so much, definitely going to PAT that Like button.

[@RockerMadness]

You are such an amazing soul I honestly love you, and you are so knowledgeable I always look forward to your videos THANK YOU💕💕

[@IshanAli]

She’s teaching us what school hasn’t

[@KayneKawasaki]

Ishan Ali this

[@EmorettaRobinson]

Facts!

[@xxymgxx]

Well, because property really isn't the focus of many teenagers lol, same with taxes. These things are very important yes, and young people should be aware of it, but quite frankly many people don't care about it and view it as something you need to learn for yourself when you're older and more mature. I'm not sure about other countries, but I'm sure a lot of people are aware of PSHE lessons in school, and perhaps this should be included in those lessons.

[@xxymgxx]

@@parwaz7861 Definitely. I think there should be mandatory lessons, these teenagers will likely want to buy houses in the future!

[@milouvandaam506]

Psche teaches you about life and ive been taught how to buy a house

[@simisola5446]

You’re not giving us a fish but teaching us how to catch our own fish. Your basket will always be full. We value you because you have valued us enough to share your diamonds and pearls of knowledge with us. We love you Patricia Bright 🥰

[@The_Break]

So glad you see it this way Simisola, knowledge is the key!!

[@bume.e7280]

@@The_Break 🥰🥰 I'm in love with her, in a good way. And her sis too. Patricia!!, I hope I could work with you if you ever need a new york person . You give me so much lifee

[@lovagirl7777]

We really do love you for this Patricia

[@clair233]

Spot on

[@nefertitikingdom6200]

Simisola WELL SAID SIS. I swear we think alike 🤣🤣🤣🤣 She be saving me from being a looser foreal 🙌🏿🙌🏿🙌🏿

[@oliviam6100]

Since I work for a bank, I thought I would share: 1. First time home buyers qualify for 3% down downpayment 2. First time home buyers qualify for downpayment assistance programs depending on location of property. You don’t have to pay it back if you live in property for 5 years. 3 You can also qualify for introductory terms at the bank (no interest charged on mortgage for a given period). Ask your loan officer 4. If you have an account with the bank you are getting the mortgage from, you will get a discount ONLY if you ask for it. Always ask your MLO if they are any discounts you qualify for. You end up with a lower interest rate 5. Do not be afraid to “haggle” with the bank for a lower interest rate than the one initially given to you. Get a lower rate from another bank or mortgage company and ask your bank to beat it. They always will and keep going back and forth until you are comfortable with the rate you’re getting. A house is your biggest purchase after all.

[@simonrichards150]

From your terminology this sounds suspiciously American. Does this apply in the UK?

[@belenherrera.x352]

Does this apply in the UK?

[@quitasglamcam2419]

Thank you! Im start training to be a LO soon and this was greatly helpful.

[@MiracleAdda]

👍👍👍👍

[@negamistica2253]

#HelpbabyMarcelo# That’s good to know. I am thinking to buy because paying renting for someone else is wasting of money. I am thinking about sharing properties because houses in London are very expensive.

[@nxxran]

i'm nowhere near close to buying a house but i still got very excited for this video lol

[@dnicaw]

Same here

[@CherelleJaCole94]

Lol righttttttt!

[@trap784]

@@liv-uz1io same lol

[@Brenda-ii4fn]

How to buy a House: 1. Have money 2.Buy the house Let me go work hard😩

[@ron-dilacey6527]

Words can't explain how much I appreciate this video... I'm a 21 year old watching from Jamaica and really want to start saving towards a home. I was beginning to get so frustrated because the process seemed so hard. You really broke down for me😊

[@samanthadawson6864]

Same age, same goal, same location and same feeling. Pat is like our life coach in all things finance

[@ron-dilacey6527]

@@samanthadawson6864 I know right 😊 Glad there's someone that can relate

[@PurposefullyDriven]

Much older Jamaican here for the same reason.

[@deniedbyjaj5792]

Try getting on to housing trust from now babe.

[@julezyjulez]

Hey, I hope this helps. This episode is Jamaica homeownership related. open.spotify.com/episode/1FHrfMU9Uxm2rTBnp6AnCO?si=BgSSrPN3S8GNlg3sRC9h2A

[@vashimistry5246]

Patricia, your channel couldn't have come at a better time. You are playing a massive role in helping me stay focussed on my goals. Thank you so much ❤️ Sending you so much love and so many good vibes ✨

[@purplegalaxy1234]

Such an amazing and strong woman with amazing tips and knowledge. A lot of people look up to you and love you. Thank you for sharing your tips! ❤❤

[@melodyabijo8069]

Viewing properties was the most difficult part in my experience. Most of the times, the pictures look nothing like the actual house.. plus hubby and I couldn’t agree on a house coz we had different tastes lol.. also be prepared to compromise. Unless you built it, the houses won’t tick all your boxes.. I had to compromise on garage/driveway for a big garden...

[@marianak6165]

We are looking to buy our first house next year and this is what I am dreading of. I know that I won't be able to get the house of my dreams and will have to compromise on a lot of things 🙁 We were renting for 10 years since moving to the UK and we really want to settle in our own home. We have 10% deposit and our credit history is very good but the most difficult part is property prices around London are insane!! And we can't move too far because of my husbands business.

[@kenia5527]

I was about to go on a shopping spree but this video stopped me and the money is in the savings 😂 this is the platform I need. Thanks Patrcia

[@kwameopoku3576]

Kenia were u gna buy panties

[@caitlynarianna296]

Literally a 15 year old girl obsessed with this channel. 😖 Patricia is literally my internet big sis lol 💕

[@annabelndianefo7709]

Cáitlyn Ari why is this me but I’m 16😂

[@liv-uz1io]

Sameee I’m 15 too😭

[@DakotaRae2211]

You’re gonna be so ahead of the game little sis!!

[@isabelladuder2849]

THANK YOU Patricia for teaching me everything I never learnt in school. Every young woman (and man!) needs to watch this channel ❤️

[@AjiJagne]

Patricia: Caress the like button Me: 👆🏾😏......👍🏾

[@khwezay]

Doesn't sound dirty at all 😏

[@phlorencesantos8295]

Please do the credit score video🥺❤️

[@juliettekay5907]

This is such a clever channel! But really accessible and fun too. I can't believe we don't get taught this!

[@RidaB33]

This was great timing! My fiance and I decided thst instead of renting again we would look to buy a home that we can stay in for the next 5 to 7 years so we just got the ball rolling on looking into what we need to be able to get into a house by July since that's when our lease ends. I really appreciate the part about not letting anyone pressure you because we went to go view houses a couple days ago and the realtor tried to push us to put in an offer 4 months before we're ready and just negotiating the sellers to pay off the lease.

[@khwezik3894]

From the 1st time I saw Patricia Bright on 'This Morning' chatting at the boom of the KZbin millionaires/entrepreneurs, I was intrigued. I've watched a couple of her posts but I really liked when she spoke on business/investing/budgeting. So I'm so hooked on this new channel that she's created that is pretty much solely on aspirations, inspiration, education. Not many folks like to share their how tos to their success so I really admire her & the few out there that do do so. May you and your family continue to be blessed x

[@AA-ek5kz]

As one of your earliest, I am loving this financial vlogs. You really are inspirational for so many people. Keep up the good work. I rarely comment but what you teaching is financial freedom and so many people do not have a clue how to go about this.

[@darkchocolat1214]

It's so interesting to hear how the home buying process in the UK is similar to the process in the US!

[@roseaddo6103]

darkchocolat1214 IKR

[@BajanGirlBeautiful]

I am loving this content. I am actively taking steps to becoming a homeowner. Keep it coming sis! #Blessings

[@lancerave]

THE CONSISTENCY OF THIS CHANNEL DAMN 🔥🔥🔥

[@Misssayuri110]

Patricia my dear, thank you so much for being such a bomb role model for women everywhere. Humble, loving and smart? That's what we all should aspire to be xx

[@Mztrue87]

Be Vybz Kartel... "Touch a button, touch a button nuh" 💀🤣

[@SaphPea]

This platform is changing the game big sis and we are grateful for it. Thank you for helping us all get a seat at the table👏🏿

[@Wanderness]

Got my first ever viewing for my first ever house tomorrow because you've inspired me to be smarter with my money. Thank you queen 👏👏👏👏

[@liliangoodness8154]

Honestly, this is the most important topics and reasonable youve uploaded...for me your coming through...so please do more .keep them coming...your now in another level of videos i like to watch.so thanks

[@SundaiLove]

Woooo can’t wait for the other videos. Right up my alley

[@jamericanrebel]

Patricia 😵 I’m absolutely loving this new channel. Though I’m in the US and a lot of these don’t apply / are different I’m loving it. I invest in real estate as well and I’m buying my second property next year 🥳. You’re is my absolute idol. I’m trying to get on your level.

[@ALEXANDRABOAMPONG]

I need this energy and business mind in my life to change things around..😍

[@cockyretrospect4085]

Literally blasting this on my bluetooth. I stan this channel so hard

[@WellBalancedWallet]

This is perfect. My husband and I began looking for a home last year and we were completely caught off guard. Thank you for this!

[@emilyshort3086]

I'm currently at uni so I wont be buying a house for a while. I am trying to start saving when I can and get educated which this channel really helps with 😊

[@toyaturnstyles2830]

Patricia Bright you are one in a million. You are so unique, you bring so much value to this platform it is beautiful! You are always what I'm looking for, always connecting the dots and inspiring me! I'm currently saving for my house deposit and you just taught me something new, again. Big up yourself you gem! Caressing that button all day every day xxx

[@angelaofoegbu4920]

We love the break! Im so happy you branched out and did this!

[@ifunanyalizzie8771]

Thank you for this channel aunty pat!! Just started my KZbin journey and I’m here manifesting my future properties 🙏🏼🙏🏼

[@missnycforever7532]

This is the freaking content we need and I love on KZbin!!!! I am a fan. Having good credit is everything. You can negotiate a whole lot with good credit. Also buy a fixer in a better neighborhood than a shiny in a lesser neighborhood. Put some sweat equity, sell it and move up to a better neighborhood. I start researching 6 months to 2 years when we are looking to buy. It gives me an idea of what is on the market and what I can get for my budget.

[@SanaMusicVlog]

This is fantastic. I've been a fan of your videos for years. I'm so glad you're sharing your knowledge to help your viewers better themselves and put them in a better financial position for the future. As a fellow Croydon-er, this was something they definitely forgot to teach us at school. Keep up the great work! I would love to see a video with your thoughts on Lifetime ISAs etc. xxx

[@polkadotsandparadise]

It is important to understand that sale agreed at the estate agents does not mean that it is yours. Secondly until contracts are signed and legally accepted that anything can happen!! Please note that stamp duty that you noted was £300,000 for london lesser amount for the rest of the uk including NI.

[@RealMeeBenMee]

Been searching for videos all night and she the first person who's actually made sense.

[@Jamesparry1]

Please do a video on how to improve your credit score at the minute mine isn’t bad but I would like it to be better as I am looking at getting a mortgage in the future I would be very great full

[@biancaelizasegundo4649]

Help us on our credit score girl!

[@CherArchange]

I can definitely help you with your credit repair:www.myfes.net/CArchange

[@sineadmoakes3725]

Honestly you just give me so much motivation!!! Could you do some of you top tips of things to do once you've bought a home? I guess I should know these things already but I just find it so helpful the way you explain things!!

[@rowenagarcia5729]

I am excited that you created this channel. We need to spread the importance for financial literacy. Enjoying your new content!

[@ioanac8245]

Hi Patricia, thank you so much for taking your time to come up with this video, as always a lot of great information. I have actually just completed on a property, by myself at 28 years old with a one year of accounts on my business. I just really wanted to touch on this as when i have decided to apply for a mortgage i have received a lot of unrequested advice as to why i should wait as my business is so new and apparently no lender will give me a mortgage and that was just false. I have actually had a fair amount of lenders to choose from at standard rates (between 2.5-4% interest rates) and with only 10% deposit. So please all of you self employed ladies and gents out there, do your research!!

[@devettemorris5036]

You are definitely heaven sent. Thanks so much for sharing these few tips with us especially for those who are first time buyers like myself. My fiancee and I recently bought our first ever property after having been in rent for the last 5 years. The process was hella long but all worth it in the end. By the end of this year we should be purchasing our 2nd property(1 of my goals for this year). Thank you Patricia Bright❤we love you❤❤

[@KellyannMitchell]

Love this channel and its content. Patricia you are empowering so many people out here, myself including. This is the kind of information that needs to be giving to both young and old who are trying to get there life together. Keep slaying Queen!

[@leannejacklin-grey5343]

Just discovered this channel and it is literally my favourite KZbin channel out there! Love what you are doing with this....Keep them coming!!! xxx

[@desklifebliss7974]

This is the kind of stuff that needs to be taught in school! Thank you for sharing all this valuable information 💕

[@user-oc7cz3ep6f]

Came across this account, and honestly there’s so much good information in these videos. Stuff that nobody tells you!

[@Tinochinez]

So grateful for this video & your consistency Patricia, always bring value in everything you do! Loved this and love you girl 💗💗

[@elvira25743]

Dayummm if this is something school was teaching me I would be on my 100th investment by now. woow big up sis keep the videos coming going to literally buy a notepad for these lectures

[@Lctravelnture]

Great info, almost bought a property but changed my mind, I needed a real estate class to feel confident,thanks for the tips

[@mollyingram2778]

Yessss🙏🏻🙏🏻 this is exactly what we need, you’re a star!

[@MisterDixa]

This is lit ! I'm looking to buy my first house and finally I understand everything ! Thank you Sensei

[@adwoaasarekonadu9622]

I love property, so I definitely will be tuning in into every property video. 🙏🏾

[@HuStLeBuniiie]

Thank you very much for this. I don't have any relatives who's ever bought a property here in the West. So I have nobody to teach me this things. Thank you so much.

[@emiliadescamps4771]

Loving The Break so far ! Thanks for your great tips Patricia !

[@DIYwithGabriel]

Thank you for inspiring us. Investing in Real Estate helped me quit my job and start my KZbin journey. Keep up the great work! 👍🏼

[@jessih980]

that channel is so valuable!! like literally the best on yt

[@MakingYourOwnWay]

3 properties - get it Patricia ;) Congratulations on this endeavor! Love that you are sharing this with others so that we all can be inspired to get into real estate.

[@joannelu1750]

I love this series you're doing, super informative and totally worth the 12 minutes! Thank you!!

[@ware3300]

Idk what im doing here im a teenager and deffo not buying a house anytime soon but this is the type of stuff they don’t teach us at school. Im glad i live un a generation where i can get this for free 😊

[@xJessJonesx]

Finally!!! Some useful information about getting on the ladder. Thanks Patricia x

[@magdalenaa09]

This was needed! ❤️ Me and my partner are saving for a deposit! We want to buy our first property this year. I’m so nervous that things won’t go to plan! Also saving is painful but hopefully it’ll be worth it xoxo

[@almetas_grandbaby]

THANK YOU for sharing! I see all these gurus with houses but don’t wanna tell us the PROCESS! Thanks Pat!

[@brendasmith2944]

I hate adverts on KZbin videos. But for you, I watch the whole thing and even click them so you could get your coins up. You deserve it alllll

[@allisonlaraque3649]

This is good information even for those you have struggled through the process before.

[@EmilyLouiseKelly]

Patricia! I’m so excited by this new channel! Thank you 💕

[@Beatbukei]

You’re God sent! Can’t wait for the property series 💃🏽💃🏽

[@totallysashh4697]

Just got my mortgage on principle today and I'm so excited. Here to learn!!

[@Luxeaudrey]

These videos are so useful since I’m planning to buy my first few properties this year ☺️

[@ganaadwok1862]

I am officially a BREAKER!!!!! 👏🏾👏🏾👏🏾👏🏾 I love love this! So inspiring and motivating.

[@paulapalacz6477]

I just love the the new channel, you passing the knowledge in such an easy way . I would love the video about improving your credit score.

[@ipodnano37]

Hoping to buy my first home, a flat in London with my sister. I’m a student and she’s a Junior Doctor and this video has been an amazing explanation. Please do more in depth property videos!!!

[@alexxuspayne3399]

This came at perfect timing!!!! THANK YOU SO MUCH!!!!

[@immaterialgurl]

Patricia I am obsessed with this channel!! Wld love to see a first time renters guide if u have any experience with this! X

[@kaylathomas3022]

Going to buy my first property at the end of this year, so this couldn't have come at a better time!!

[@MyNameIsKiya]

This new channel is just the best Patricia! 🥰❤

[@sianagillian8430]

These videos are incredible and perfect for me right now. Thank you so much!! 💓

[@sailorsummy]

You have no idea how thankful I am! Trank you so so much Patricia❤️

[@melbrowntv]

Wow, LOOK AT THIS QUEEN!!

[@Lylirium]

Love this. I wish I knew half of the stuff I know now about buying a house. Can you do a video about increasing the value of your house to either sell it or remortgage it to do some renovation work. Debating on extending or selling our property right now.

[@sorandom4819]

You are everything Patricia. Thank you.

[@perryperrychicken11]

Loving all this finance/property content lately!! ❤️

[@chiedzamhosva5141]

This is the good stuff we have been all waiting for... Many thanks Patricia

[@rachelmartin-edwards1247]

Every time you say ' if you want a video on this' we're all like YES YES YES tell us!!!!!

[@liangymendez4164]

Im 16 and I just love this channel :) Love hearing your informational talks while doing hw or taking a shower !

[@nickandchrismom]

Yes! Please do a video on how to INCREASE your credit. Thanks! I love your shining personality and humility!!

[@quitasglamcam2419]

*I really liked this video and was able to learn from the comments as well. I will add to make sure you’re checking for liens on the property to make sure you’re not getting into any debt with the new home. Thanks Patricia and please share with us your tips on credit*

[@claudettedawes6703]

Thank you young lady for this information, I'm considering either buying or building in a sun shine country. I need all the information I can get.

[@DaHoodGal]

You are such a motivation! I’ll be on the look out for more vids like this one. Much love 😘

[@littlemissd4]

Thank you patricia this is so helpful! I cant wait to see more of this property series x

[@ic107]

absolutely loved this video, and this entire channel! so informative, you're doing such an incredible thing Patricia xx

[@Elldrop1]

I'm buying my first property and have rewatched this video like 5 times now

[@Janelleybean23]

Great and timely video! Could you do one on the different types of mortgages and how to choose the one best for you. Also what things to watch out for eg clauses, penalties etc that we may need to be aware of. Xx

[@charliec3241]

Excellent video. Quick, detailed and full of energy. Love it.

[@ejharv3y]

Can you cover the advantages/disadvantages of buying a new build vs an older property? Thanks! Love this channel!

[@anitahaynes3111]

Thanks so much Patricia! Please could you do a video on the different schemes available (i.e help to buy and shared ownership) the pros and cons of each?

[@SaintOrCinema]

I would LOVE a video on this topic that is specifically directed towards freelancers! There are thousands of us out here and I can foresee house ownership being a challenge - not because we’re not earning enough, but because banks might be old fashioned and not recognise our value and reliability! X