“Sadly, even with the most positive mindset, discrimination remains a pervasive threat, but in the spirit of controlling what we’re able to control, don’t allow imposter syndrome or concerns about other people’s opinions to force you out of the race before you even reach the starting blocks. Remember: what other people think of you is not your business!”
7. How do you deal with being constantly dismissed as a single woman?
“Don’t!” says Davinia. “Instead, ask for recommendations from friends or colleagues who’ve had positive experiences and request an introduction. For what is likely to be one of the biggest investments of your life, it’s important that you have a team of advisers (as well as cheerleaders who have already been through the process) who are committed to helping you realise your goal. Don’t spend a single second worrying about those who won’t. Chemistry really counts, so trust your instincts.
“Remember there is a mutual benefit to your successful property purchase so even though it might appear that way, don’t feel that your advisers have the upper hand. You get to decide who you want to work with.”
8. What questions do I need to ask when viewing a house?
Paper and pen at the ready, here are the top questions to ask when viewing a property, according to Davinia:
Why are the sellers moving on?
Ask about the neighbours and what the neighbourhood is like overall, including the quality of local schools if that’s a priority to you.
What are the sellers leaving behind, and what are they taking? (This could be fixtures and fittings, carpets and even lightbulbs!)
Get a feel for average bills; how much are utilities, and how strong is the WiFi?
Ask when last the house was rewired, and whether there are any known plumbing issues or structural problems that may not be uncovered in a survey.
Confirm whether it is freehold or leasehold and, if the latter, what the tenure is. Depending on how long is left on the lease, you may struggle to get a mortgage unless it is extended to a suitable level (usually over 70 years).
Ask about the water pressure – put the taps on yourself if you can!
Check if there have been any modifications to the original house spec, perhaps they’ve done a loft conversion or added a conservatory, make sure they’ve had planning permission.
Ask about access rights via your property to public pathways or spaces, which areas you are responsible for and which belong to neighbours, to avoid disputes after you’ve bought the property.
It’s a big purchase, so be thorough (while respectful of someone else’s home – don’t go in and slate the current décor for example!), take someone experienced with you who can capture the things you miss, and don’t be afraid to make two or three visits before you make an offer.
9. What is Stamp Duty? Do I need to pay it?
According to Davinia, “Stamp Duty or its more complete title, Stamp Duty Land Tax is levied on properties, over a certain threshold. For residential properties, you only pay land tax if your property is over £250,000. The exact rate you pay varies, subject to the final purchase price.”