THE property ladder can be a daunting climb for those tackling it for the first time.

Here are some of our top tips to guide you through the transition from lodger to homeowner.

1 Count those pennies

Before you can start looking for a home, you need to think realistically about how much money you can save for a deposit.

Once you've got to grips with your savings plan, think about how much you can afford to pay for a property including bills and council tax.

2 Think mortgages

Research all the different types available on the market. Martin Lewis, the money saving expert, is brilliant at breaking these down for you.

Don't trust your bank will offer the best rates, shop around.

Be realistic with your sums, you want to be able to pay back your mortgage comfortably with plenty cash left over for utilities.

3 Where, what, who?

What kind of property do you want? New or old? Which area?

Do you want to buy small, fix-up and sell on or are you looking for your forever house?

Be specific and stay focused with what you want.

4 Like what you see?

Organise multiple viewings of the property and ask lots of questions.

Investigate the neighbourhood.

If you're keen, have a survey completed which will reveal any hidden issues.