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Forecasting how the United Kingdom property market will behave in the next 12 months is rarely easy. The last few years have seen many industry experts make strong claims about recovery that never actually materialised. However it finally looks like the recovery is on the way for most regions. Many areas have seen small increases in value this year and the pattern looks set to carry on into next year as well.

So is now a great time to buy if you are a first-time buyer? While prices are on their way up once again they are still at lower levels than July last year. Forecasts for 2011 and 2012 vary considerably according to where they come from. However many experts are of the opinion that the market will stay flat or see small price increases. So if you’re a first time buyer now is a great time to start looking. The cost of housing is not likely to fall and while any increases may be small they’ll only add to the cost of buying a home. if you are going into the market for the very first time here are a handful of tips to help you out. Mortgage and Other Costs The need for large deposits has slowed down activity in the housing market significantly. With relatively few new buyers entering the market the volume of homes sold reached a record low in 2010. However whilst 10% home loan deals are still the norm there are signs that loan providers are easing their restrictions on lending a little. There are now far more 95% home loan deals available with competitive interest rates. When you are saving for your first house the deposit is just one of the numerous expenses you will need to take into account. You must also save for stamp duty, solicitor’s and surveyor’s charges and moving fees. Buying furniture and appliances for the home are other expenses to think about. Finally you will have to plan for bills that will considerably larger than in shared accommodation or if you’ve been living with parents. New or Used Home? If you are thinking of buying a house should you choose a new or a used one? With the current lack of activity in the housing market many developers find themselves with a large stock of unsold new properties on their hands. There are some great deals available on new properties with many developers lowering asking prices by as much as 10%. As well as reducing prices several developers are offering other incentives like assistance with finding a deposit, part exchange schemes and free white goods and appliances. In general new properties are also cheaper to run and will come with a 10 year warranty. Shared Ownership Shared ownership is one of the best ways for many first-time buyers to be able to afford their first property. With a shared ownership program you pay a mortgage on the share of the house you own and pay rent on the rest to a housing association. With time you increase the amount of the property you own. There are many shared ownership schemes throughout the country and they are often a great way to get on the property ladder especially for key workers such as nurses, teachers and police. Another option is buying with a friend or group of friends. This may appear like an attractive choice but can have its downside. Make sure that you use a solicitor to draw up legally binding contracts. For the biggest selection of new homes for sale visit WhatHouse?

Following several hard years for the United Kingdom housing industry there’s finally some good news on the horizon. After years of depressing property news this year ought to see a change in the property market. With most areas struggling with price falls, problems selling houses and tighter lending restrictions 2011 could finally provide some good news. Many industry experts are saying that prices across the nation are now at their lowest level and they will start to climb towards the end of the year. There are several different factors that will lead to an increase in house prices in 2011. These include a lack of new property stock, the willingness of banking institutions to lend money and escalating rents. One thing that’s never far from the thoughts of homeowners in the united kingdom is home prices. When you’re thinking about selling or buying a home every penny is important and it is imperative that you obtain the most for your money. If you go to the What House website you will discover a wonderful house price calculator. You’re able to do house valuation and property valuation in seconds. If you wish to value my house you simply need to enter a couple of details about it in to the web site. Then using data from the ONS, Land Registry and financial markets What House will come up with an accurate valuation. On the website you can also find the most up-to-date information and news about house builders, housing associations and affordable homes in your area. If you are contemplating purchasing a new house you’ll find a lot of information about new homes Yorkshire,new homes Cardiff, new homes Hertfordshire and new homes Berkshire. In case you are thinking of a new house in 2011 you ought to visit the What House web site first. It is without doubt the best place to choose current information about all aspects of the united kingdom housing market.