A new year often means new plans. If your New Year resolution is home buying in Cardiff, you’re not alone. Many people use this fresh start to think seriously about making the move from renting to owning.
Whether it’s your first step onto the ladder or you’re planning ahead, now’s the perfect time to turn your 2026 property goals into action. This guide will walk you through each step of the journey – from saving up to collecting your keys.
Start with your finances
Before looking at properties, it’s important to understand what you can afford. This helps you stay focused, make confident choices, and move quicker when you find the right place.
Here’s what to check:
- Your deposit – how much have you saved so far?
- Your monthly budget – what could you comfortably pay each month?
Most first-time buyers in Cardiff aim for a 5-10% deposit. The more you put down, the better your mortgage options are likely to be.
Speak to a mortgage adviser
You don’t need to wait until you’re ready to buy. In fact, speaking to a mortgage adviser early can help you understand your options and boost your chances of approval later.
A good adviser will:
- Explain how much you could borrow
- Talk you through mortgage types
- Suggest ways to strengthen your application
This is one of the most helpful things you can do early in your journey – especially if you’re after first time buyer advice in Cardiff.
Get a mortgage in principle
A mortgage in principle (also called an agreement in principle) is a simple document that shows how much a lender might offer you. It’s not a guarantee – but it shows sellers you’re serious and ready.
You’ll usually need:
- Proof of income
- Your ID
- A credit check
Getting one is quick, and it’s often required before booking viewings.
Know what you want (and where)
Buying a home is personal, so your wish list will be too. Cardiff has plenty to offer – from modern flats in Cardiff Bay to Victorian terraces in Roath or Grangetown.
Start by thinking about:
- Must-haves – number of bedrooms, garden, parking, location
- Nice-to-haves – office space, open-plan living, nearby cafés
- Deal-breakers – noisy roads, lack of light, high service charges
Having a clear list can help you act fast when you find a home you love.
Register with local estate agents
Property in Cardiff moves quickly. To avoid missing out, register your details with estate agents who know the area well – including us.
At Belvoir Cardiff, we match buyers with homes that fit their lifestyle, not just their budget. You’ll also hear about new listings before they go online.
That means less stress and more choice.
Start viewing homes
This is the exciting bit – viewing homes and picturing your life there.
When visiting properties:
- Take photos and notes
- Check windows, heating, and storage
- Ask about the neighbours and the area
- Picture your daily routine – commute, shops, school run
You might not find the right place straight away, and that’s OK. 2026 property goals in Cardiff aren’t just about speed – they’re about making the right move.
Make your offer
Once you’ve found the one, your agent will help you put in an offer. This usually happens over the phone or email, and can include:
- Your offer amount
- Any conditions (such as including appliances)
- Whether you’re a first-time buyer or chain-free
Your offer might be accepted right away, or the seller could come back with a counter. Your agent will guide you through the process clearly.
Choose your solicitor
A solicitor or conveyancer will manage the legal parts of the process – from reviewing contracts to organising local searches and transferring funds.
Ask for recommendations, and choose someone who’s responsive and experienced. If you’re unsure, we can help connect you with local professionals who know the Cardiff market well.
Book a survey
Most buyers choose a property survey to check the condition of their future home. Your mortgage provider will require a valuation, but a full survey offers peace of mind — especially for older properties.
There are three main types:
- Condition Report – for newer homes
- HomeBuyer Report – for standard properties
- Full Building Survey – for older or unusual buildings
It’s worth the cost to avoid any surprises.
Exchange and complete
Once your solicitor is happy with the legal work and your mortgage is in place, you’ll exchange contracts. This is when the sale becomes legally binding.
Completion follows – usually a week or two later. On that day, the money is transferred and you get the keys.
Congratulations. You’re now a homeowner.
Why buy in Cardiff?
Cardiff continues to be a top choice for first-time buyers and movers. With a strong job market, plenty of green space, and brilliant value compared to other UK cities, it’s easy to see why.
Average property prices in Cardiff are around £275,000, depending on area and property type. Neighbourhoods like Heath, Canton, and Llandaff North are particularly popular for their mix of amenities, transport links, and community feel.
Looking to make your move in 2026? Let’s talk.
Ready to take the first step?
Buying a home might feel like a big leap – but the right advice, early planning, and a trusted estate agent can make it easier than you think.
At Belvoir Cardiff, we’re here to support you every step of the way – because we know property is personal.
