First time home buyers might feel better to know that they're not the only ones who feel confused about the home buying process. Nearly all first time home buyers feel the same way.

First, first time home buyers should get educated about the home buying customs where they live.

First time home buyers should talk to a real estate agent about the typical home buying scenario.

First time home buyers; no doubt have lots of questions to ask. Should I go to a bank, a building society or a specialist lender? Should I opt for a fixed rate, a capped rate, a discount or a tracker? How much can I borrow, and how much will it cost me?

The fact that more than half of Britain’s working population cannot afford to buy a home underlines the difficulties faced by first time home buyers. According to the Nationwide Building Society, the average house costs £118,500 and the average salary is £25,000.

But there are some pluses to being a first time home buyer - interest rates are at their lowest for more than 30 years, lenders are competing strongly for first time home buyers, and first time home buyers aren’t part of a chain which makes first time home buyers more appealing to home sellers.

The first time home buyers doing the rounds of estate agents, need to know how large a mortgage the can get - there’s no point searching for the house of your dreams if it’s out of your price range. First time home buyers should start by approaching several lenders and ask how much they will let you borrow and request an ‘agreement in principle’ that confirms this amount. You can use this to add leverage to any offer you make on a home.

First time home buyers, are the most sought after people in the housing market. Not just because first time home buyers keep the whole thing going but because first time home buyers aren't dependent on anyone below them on the ladder.

In UK the current selling and buying specially for the first time home buyers is very expensive and lengthy. The UK government plans to improve the much criticised process of house buying in England and Wales. From 1 June 2007, all home owners in England and Wales will need to prepare a Home Information Pack or sellers pack before putting their home up for sale.

The idea is that the onus will be on the sellers to get together the information on their property and show it to potential buyers in a "sellers pack". Under current rules the onus is on the buyer, not the seller, to make adequate checks. This scheme is expected to benefit the first time home buyers as it will cut down on the cost of inspection and research.

Another great way to get on to the property ladder is to buy property in Denia in the Costa Blanca . Here you can recieve up to 100% finance based on an 80% loan to value mortgage.