The top 40 questions asked by baffled first-time buyers include ‘should I offer less than the advertised house price?’, ‘how much deposit will I need?’ and ‘how long does my mortgage offer last for?’.
A study of 2,000 homeowners found 54 per cent were confused about what they had to do when making the first step on the property ladder.
Of these, eight in 10 felt too embarrassed to ask things like ‘what is stamp duty?’ and ‘when do I need to pay everyone for the work?’.
While those new to the intricacies of buying a home also wanted to ask ‘how do I choose a solicitor?’, ‘what surveys do I need?’ and ‘how much can I afford?’.
As many as 36 per cent were puzzled by the whole sequence of events, and four in 10 would have welcomed a helping hand.
While 60 per cent felt overwhelmed when talking to estate agents, solicitors and mortgage advisors, with 68 per cent worried about looking stupid.
Unsurprisingly, almost eight in 10 wish the home buying process was simpler, and nearly half are put off moving again due to how complicated and confusing they found things first time around.
Charlotte Harrison, head of mortgage products at Skipton Building Society, which commissioned the research, said: “Purchasing a home can seem daunting for the first time.
“The process can be long and complicated at times, made harder if you don’t fully understand what needs to be done and by who.
“Many people also don’t have the time to work out what has to be done at every step, or even know what every mortgage term means which is why we want to help first-time buyers make the home buying process simpler and easier to understand.”
The study found first-time buyers also had questions like ‘how long should I fix my mortgage rate for?’ and

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