Buying in Cornwall: five things to organize before showings.
Set a comfortable total budget
Your monthly housing costs can include mortgage payments, property taxes, insurance, utilities and maintenance. Ask your lender what you can borrow, then decide what payment feels comfortable for you.
Leave room for closing costs
Plan for legal fees, applicable land transfer tax, adjustments and moving costs. Inspection and appraisal costs may also apply. Confirm your own estimates with your lawyer and lender instead of relying on one general percentage.
Separate essentials from preferences
Choose a short list of essentials such as location, accessibility, bedrooms or commuting needs. Keep finishes and cosmetic preferences on a separate list so you can compare homes clearly.
Look beyond the photos
Review available property information and ask questions about condition, updates and ongoing costs. An in-law layout or separate entrance does not by itself establish that a property contains a legal rental unit.
Prepare your questions before an offer
Discuss financing, inspection, deposit timing, closing dates and any other conditions that fit your circumstances. Get advice on the specific property and your obligations before you commit.
General planning information, not legal, tax or mortgage advice. Costs, availability and property requirements vary. Verify details for your own circumstances.