How to choose where to buy property

Buying a property is a significant milestone, and one of the most crucial aspects of this process is choosing the right location. 

Whether you’re a first-time buyer or looking for an investment opportunity, the location of your property can significantly impact your lifestyle, finances, and future prospects. 

As experts at Sett Mortgages, we understand the importance of finding the perfect location for your new home or investment.

Why is location important when buying a property?

The saying “location, location, location” is important because where your property is situated can affect many parts of your life. Here are just some reasons it’s important:

Impact on your life

Imagine living in a place that’s close to everything you need—like shops, parks, or good schools. When your home is near these things, life becomes more convenient and enjoyable.

Influence on property value

Where your property is located can also affect its worth. Being near useful things like transport links or in an area with plans for improvement can make your property more valuable over time.

Quality of life

The location of your home plays a big role in how you live. Living in a safe and comfortable neighborhood, having easy access to work or school, and being close to the things you love to do can greatly improve your quality of life.

Considering different aspects

When you think about where to buy a property, it’s not just about the building itself. Factors like how close it is to important places, how easy it is to get around, and what the future holds for the area are all really important things to consider.

Choosing the right location isn’t just about finding a place to live; it’s about finding a place that suits your lifestyle and can also be a good investment for the future.

Common challenges of finding an area to live

Finding the right place to live can be tricky. There are a few things that can make it hard to decide. Here are some common challenges:


Money is a big factor. Finding a place that fits your budget can be tough. Sometimes, the areas you like might be too expensive.

Neighbourhood Safety

Feeling safe is super important. You want to live in an area where you feel secure. Checking out the crime rates and the overall safety of the neighborhood is essential.


Getting around easily matters. Living close to transportation, like buses or trains, or having good road connections can make life more convenient.

Personal preferences

Everyone has different things they like or don’t like. Finding a place that matches what you prefer, such as a quiet neighbourhood or a lively area with lots to do, can be challenging.

Understanding these challenges can help you make a smarter decision when picking a place to live. Each of these factors plays a big role in finding the right area that suits your needs and preferences.

Tips on how to choose a location when buying a property

Here are some helpful tips to guide you through the decision-making process and ensure you make the right choice.

Think about what the property is for

First things first – why are you buying this property? Is it going to be your own home, a smart investment, or maybe both?

If it’s for you to live in:

Consider what you need in your everyday life. Do you want a peaceful neighborhood, nearby schools, or a short commute to work?

If it’s for investment:

Think about areas where property prices might increase or places that attract good renters. What makes an area promising for investment purposes?

Understanding this main reason for buying will really shape where you should be looking. 

Consider your likes, dislikes, and where you can compromise

Think about what you really like and what you don’t in a neighborhood or property. Make a list of must-haves and things you’re okay with adjusting. These are your “non-negotiables” and areas where you can “compromise.”

Write down what you absolutely need in your new place. It could be things like being near schools or having a garden. These are your non-negotiables.

Then, note the things you’re more flexible about. Maybe you’d give up a big back garden for a home near work or shops. These are areas where you can be more flexible.

This list helps you narrow down options. It guides you towards areas that match what you really want and helps you see where you can be a bit flexible.

By knowing your must-haves and where you can compromise, you can focus your search better. It makes finding the right location much easier!

Decide on the type of property

When deciding on a property, it’s important to consider the type of home that suits your lifestyle and preferences.

Are you inclined towards a spacious house with a garden, or do you prefer the convenience of a low-maintenance flat or apartment? Are you looking to upgrade your space, or considering downsizing?

Determining the type of property that aligns with your lifestyle and needs is a pivotal step in finding the right location. Whether it’s a house, flat, or another kind of property, considering this factor significantly streamlines your property search and ensures you find a home that suits your preferences.

Think about areas you like and know

When deciding where to buy a property, it’s essential to consider places you’re familiar with and enjoy spending time in. Reflect on areas that align with your lifestyle preferences, such as proximity to work, family, entertainment, and amenities. 

Think about places that have left a positive impression, whether it’s the bustling city center, a peaceful suburban neighbourhood, or a scenic countryside locale. 

Consider how close you want to be to your workplace or family members, and factor in the amenities and activities that matter most to you, such as nearby parks, restaurants, shopping centers, or good schools. Your preferred lifestyle, whether it’s a vibrant urban atmosphere or a quieter suburban vibe, should also guide your choice. 

Ensure the area provides the facilities and services you need within easy reach, like healthcare, transportation options, grocery stores, and recreational spots. 

By focusing on areas you know and that cater to your lifestyle, you can narrow down your choices to find a location that feels like the perfect fit for your new home.

Spend time in the area

Spending time in the areas you’re considering for your property purchase is essential. Take the opportunity to visit these places at various times throughout the day and week. This way, you can get a real feel for what the neighbourhood is like at different moments. 

Walking around during morning rush hours, afternoon strolls, and even in the evenings will help you grasp the area’s atmosphere, noise levels, and overall livability. You might also discover amenities, local shops, or community events that could influence your decision. 

Observing the area at different times allows you to envision yourself living there more vividly, helping you make a more informed choice about whether it fits your lifestyle and preferences. Don’t be afraid to ask the estate agent about the area and what they know to see if they can add any valuable information to your search.

Understand your budget

Understanding your budget is crucial when deciding where to buy property. It’s essential to have a clear idea of what you can afford. 

At Sett Mortgages, our team of expert brokers can assist you in evaluating your financial situation and guide you through the mortgage options available. 

By setting a realistic budget, you can focus on areas that match your affordability. This ensures that you explore locations within your financial means, making your property search more efficient and tailored to your financial capabilities. 

Don’t forget about transport links

Ensuring easy access to transportation options is crucial when choosing a property. Being close to public transport hubs, major roads, and upcoming infrastructure developments can greatly enhance convenience and potentially increase the value of your property over time. 

Easy access to transport links not only simplifies your daily commute but also enhances the property’s appeal, making it more attractive for potential buyers or renters in the future. 

Considering the accessibility and connectivity of the area to transportation networks is a smart move that can positively impact your lifestyle and the long-term value of your investment in the property market. 

Remember that areas evolve

Researching upcoming developments and anticipating how an area might transform in the future is pivotal in making an informed choice. 

Changes like new infrastructure, commercial developments, or revitalisation projects can significantly impact a location’s value and lifestyle. For instance, an area undergoing urban renewal might become more desirable, potentially increasing property values. On the other hand, understanding potential drawbacks or disruptions due to future developments is equally important. 

Keeping an eye on the evolving nature of an area empowers you to make a decision aligned with your long-term vision for the property.

How Sett Mortgages can support your property search

At Sett Mortgages, our expert mortgage brokers offer tailored advice and support throughout your property journey. 

From assessing your financial situation to providing guidance on mortgage options, we ensure a smooth and informed house hunting experience. Our access to a wide range of lenders and mortgage products allows us to find the best-suited solution for your property purchase.

Choosing where to buy property is a significant decision that requires careful consideration. By following these tips and leveraging the expertise of Sett Mortgages, you can make a well-informed choice that aligns with your goals and aspirations. Contact us today for a stress-free conversation about your property search.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.