Buying your first home is one of the biggest milestones in life. It can feel overwhelming at times, but with the right advice and local guidance, it becomes far more manageable. For many first-time buyers, Inverness is the ideal place to take that first step onto the property ladder.
This blog will walk you through what to expect when buying your first home in Inverness, including how to get started, how the process works in Scotland and how Belvoir Inverness can help you every step of the way.
Why Inverness is a popular choice for first-time buyers
Inverness continues to be one of the most desirable locations for homebuyers in the Highlands. With a growing economy, strong community feel and scenic surroundings, it’s not hard to see the appeal.
According to recent figures from Rightmove and Zoopla, average house prices in Inverness remain more accessible than many parts of the UK. Flats typically sell for around £130,000, while semi-detached homes average just under £190,000. This makes the city especially attractive for first-time buyers looking for better value.
Popular areas for first-time buyers include:
- Inshes and Balloch for modern developments close to amenities
- Dalneigh and Merkinch for character properties and good transport links
- Smithton and Culloden for family-friendly communities and access to schools
With more property types and price points than many realise, Inverness offers something for every budget and lifestyle.
Step 1: Check your finances and understand affordability
Before viewing properties, it’s important to understand what you can afford and how the costs break down.
Budgeting for your first home
- Deposit: Most lenders require a deposit of 5–10%, although 95% mortgage products are available.
- Solicitor’s fees: Usually £1,000–£1,500 for a first-time buyer.
- LBTT (Land and Buildings Transaction Tax): First-time buyers in Scotland pay no LBTT on the first £175,000.
- Other costs: Valuation fees, removals, furnishings.
Use affordability calculators on lender or broker websites to get a rough idea of how much you could borrow based on your income and outgoings.
Get mortgage advice early
Speaking to a mortgage adviser is one of the most useful steps you can take. They can:
- Explain which mortgage types are best for your situation
- Check your credit and affordability
- Provide a decision in principle, which makes you a more credible buyer
If you’re looking for mortgage advice in Inverness, we work with trusted local brokers who understand the market and can help you move forward confidently.
Step 2: Understand the buying process in Scotland
Buying a home in Scotland differs from the process in England, so it helps to be clear on what happens and when.
Key differences to know:
- Home Reports: Every property for sale must include a Home Report with valuation, property condition and energy performance.
- Offers over: Most homes are marketed at “offers over” a guide price. You usually need to offer above this figure to be considered seriously.
- Solicitor-led offers: Your solicitor submits your offer, not the agent.
- Missives: Once an offer is accepted and contract terms are agreed, the deal becomes legally binding.
It’s best to instruct a solicitor early on so they can advise you before making offers. Choose one with experience handling property in the Highlands.
Step 3: Register with local estate agents and start your search
While property portals like Rightmove and Zoopla are helpful, many homes sell quickly in Inverness and don’t always make it online.
Registering with local estate agents like Belvoir Inverness means you’ll:
- Get early access to new listings
- Be alerted to homes that match your criteria
- Have a team on your side helping you secure the right property
We often hear about homes before they reach the open market, which can be a real advantage in a competitive landscape.
Ready to start your search? Register for Inverness property alerts with Belvoir.
Step 4: Know what to look for in your first home
It’s easy to fall in love with a property, but be sure it meets your practical needs too. Key things to think about include:
Location
- Proximity to work or public transport
- School catchments (even if you’re not planning children now)
- Local amenities, parks and shops
Condition
- Move-in ready or needing work?
- Older homes may require more maintenance
- Does the Home Report show any concerns?
Layout and lifestyle
- Enough storage and living space?
- Parking and garden access?
- Potential to grow into the property in future?
Think about what you need now, but also where you see yourself in 3–5 years.
Step 5: Make your offer and instruct a solicitor
Once you’ve found a property you love, the next step is submitting an offer via your solicitor.
How to stand out as a first-time buyer:
- Have your mortgage agreement in principle ready
- Be flexible with entry dates
- Show you have instructed a solicitor and are ready to proceed
Because you have no onward chain, your offer will appeal to sellers looking for a smooth sale. Don’t be afraid to highlight this to your agent.
Need help finding a solicitor or preparing your offer? Our team is happy to walk you through the process.
Tips for first-time buyers in Inverness
- View a variety of property types to get a feel for value
- Use the Home Report to your advantage when deciding what to offer
- Keep notes from each viewing to compare easily
- Don’t feel pressured to offer if you’re not ready
The right home is out there, and we’ll help you find it.
What sellers need to know about first-time buyers
If you’re a seller, it’s worth knowing that first-time buyers are often:
- The most motivated
- Fast to proceed
- Flexible on dates
To appeal to them:
- Ensure your Home Report is up to date
- Highlight energy efficiency and running costs
- Present the property as move-in ready
Thinking of selling to a first-time buyer? Book a free valuation with Belvoir Inverness.
How Belvoir Inverness supports first-time buyers
At Belvoir Inverness, we don’t just list properties — we support people through every stage of their buying journey.
Here’s how we help:
- Local market insight so you can compare areas and values
- Early access to suitable listings
- Advice on how to approach offers and negotiations
- Recommendations for mortgage advisers and solicitors
We also offer a free first-time buyer checklist that outlines every key step in order, from saving your deposit to moving day.
Want a personalised start-to-finish guide? Get in touch with Belvoir Inverness and ask about our first-time buyer support.
Conclusion
Buying your first home in Inverness is a big step, but you don’t have to do it alone. With thoughtful preparation, expert advice and the right local support, you can move from first viewing to moving day with confidence.
From helping you understand how to buy your first home in Inverness, to offering mortgage advice and guiding you through legal steps, Belvoir Inverness is here to make your journey a success.
Take the first step today by registering with Belvoir Inverness or requesting a call back from our property team. We’d love to help you get started.
