Home Buying Checklist & First-Time Buyer Workbook (PDF)

Yes, and that shaped how it was written. Mortgage products, deposit expectations, taxes, contracts, inspections and closing procedures differ enormously between countries and regions, so this workbook deliberately does not state what any of those rules are. Instead every page gives you the exact question to ask and a "who tells you the real number" column pointing at the right local professional. The method travels; the local details you fill in.

No. It is a planning and organisation workbook for educational purposes, and it says so plainly on the first page. It contains no rates, no percentages, no loan program rules and no legal requirements. It is built to send you to a qualified mortgage professional, agent, solicitor, attorney, conveyancer, inspector or tax adviser with your questions already written down — which is where the real answers live.

Start with the true-cost worksheet and the scoring sheet, then print the viewing scorecard and use it from your next appointment onward. The book is sequenced from readiness to first-year maintenance, but every section stands alone, and buyers who are already mid-process usually get the fastest value from the scorecard, the red-flag walkthroughs, the offer worksheet and the deadline tracker.