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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11A reported survey of 525 UK first-time buyers found that more respondents ranked the legal and administrative process among their biggest concerns than saving a deposit: 51% versus 43%. House prices were still the leading concern, cited by 78%. The figures suggest that uncertainty about what happens after an offer matters alongside affordability—not that process worries have displaced it.
What the survey found—and what it cannot tell us
Mortgage Introducer reported the figures as Tembo research in an article published on 5 October 2026. In the reported top-three comparison, 51% of respondents named the legal and administrative process, while 43% named saving a deposit. House prices led at 78%. The narrower finding is that process concerns outranked deposit saving in that comparison; house prices remained a much more widely cited concern.
The report also said 17% identified conveyancing as their top individual stressor, compared with 16% who identified the deposit itself. Separately, 8% cited understanding mortgage advice and the lending process as a primary concern. These categories describe different questions and should not be treated as directly interchangeable.
Other reported results point to uncertainty about where to begin: 33% had low confidence navigating the home-buying process, 73% had not spoken to anyone about buying their first home when surveyed, and 17% thought the right time to approach a broker was when they first considered a purchase. The reporting does not provide the questionnaire, field dates, sampling method, demographic breakdown or margin of error, so the figures do not establish how representative the 525 respondents were. They are findings attributed to Tembo by Mortgage Introducer, not an independently verified measure of all UK first-time buyers. Mortgage Introducer’s report
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Buying a home involves linked tasks handled by different people: arranging finance, instructing a conveyancer, checking the property, dealing with searches and documents, and coordinating a transaction through to completion. The work can feel fragmented because not every step is handled by one professional, and buyers may not know what is needed next or when costs will fall due.
Paul Elcino, mortgages director at Tembo, told Mortgage Introducer: “The legal work, surveys and administration are essential parts of buying a home, but too often they feel fragmented and opaque.” That is a company representative’s interpretation of the problem, rather than a separate finding from the survey.
What happens when you buy a first home?
The precise sequence and timing vary by property and transaction, but these are the main stages to understand before you commit:
- Work out your budget and mortgage position. Consider the deposit alongside other likely costs, and establish what you may be able to borrow. An agreement or mortgage in principle can help you understand your position, but it is not a final mortgage offer.
- View properties and make an offer. Keep the total costs and your financing position in mind. An accepted offer is not the same as a completed purchase.
- Choose a conveyancer. A conveyancer or solicitor handles the legal work, including checks on the property and the transfer of ownership. Confirm the scope of service and likely charges before instructing one.
- Arrange searches and a survey. Searches gather information relevant to the property and its surroundings; a survey assesses the property’s condition. They serve different purposes, and the appropriate checks depend on the property and your circumstances.
- Progress the mortgage and legal work. The lender assesses the application while the conveyancer deals with enquiries, documents and other legal steps. These parts of the transaction progress alongside one another.
- Exchange contracts, then complete. Exchange makes the purchase legally binding under the contract. Completion is when the purchase is finalised and you take ownership, according to the transaction’s arrangements.
Each stage can involve decisions, documents and fees. Knowing the broad sequence early can help you ask what is required, who is responsible, what it costs and what could delay progress.
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When should you speak to a mortgage broker?
There is no single survey-backed answer about the ideal moment. In Mortgage Introducer’s account of Tembo’s results, 17% thought the right time to approach a broker was when first considering a purchase, while 73% had not spoken to anyone about buying a home at the time they were surveyed. The figures indicate a gap between early questions and professional conversations; they do not prove that every buyer needs a broker or that one specific point in the process is right for everyone.
UK Parliamentary oral evidence records estate-agent trade representative Timothy Douglas saying that buyers can help themselves by seeking independent financial advice, understanding their budget before viewing and learning about mortgage application timing—or obtaining a mortgage in principle early. This was an industry witness’s evidence to a committee, not formal government guidance. UK Parliament committee oral evidence
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What costs can come after the deposit?
The deposit is only one part of the cash a buyer may need. Conveyancing, searches and surveys can involve separate charges, and the mortgage process may bring other costs depending on the lender and transaction. The survey report does not supply verified prices or compare providers, so ask for an itemised estimate rather than relying on a headline fee.
When comparing conveyancers, surveyors or mortgage-advice services, check:
Best Value
- Concise fill-in lists and charts enable you to compile the essential information you need to stay organized as you get ready for your home.
- Gather all the details here -- from your real estate agent to your attorney, from utilities and community info to plumbers, electricians, remodeling plans, and beyond.
- Includes graph paper and forms for planning room details, as well as checklists for routine maintenance.
- Convenient inside back cover pocket for business cards, receipts, etc.
- Elastic band closure attached to the back cover keeps your place or keeps your planner closed.
- Total expected cost: what is included, what is charged separately, and whether searches or other disbursements are covered.
- Service scope: who handles each task, who your main contact is and what support is included.
- Timing and communication: what response times to expect and how updates will be provided.
- Fall-through or cancellation charges: what you would owe if the transaction ends before completion, and when any fee becomes due.
- Conditions and exclusions: any eligibility rules, limits or circumstances that could add cost or reduce the service.
Tembo One was described by Mortgage Introducer as a fixed-fee package combining mortgage advice, conveyancing, surveys and insurance, with fall-through protection if a purchase collapses before exchange. Those are the publication’s descriptions of the company’s offering; check current terms, eligibility and exclusions directly before relying on them. Paul Elcino said the package was intended to address a frustrating part of buying a home. That product description does not establish that the package is cheaper or better suited to a particular buyer than arranging services separately.
What the findings mean for a first-time buyer
The survey’s useful signal is not that process fear matters more than affordability in general: house prices were cited more often than either process or deposit concerns. Rather, the reported results show that legal and administrative uncertainty was a more common top-three concern than saving a deposit among the 525 respondents. Learning the sequence, asking about costs early and understanding who does what can make the process easier to navigate, even though those steps cannot resolve affordability constraints or guarantee a smooth transaction.
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