Buying your first home is one of the biggest financial decisions you'll ever make - and navigating the process can be daunting. But according to Craig Calder, Secured Lending Director at , there are clear, practical steps that can help not only get on the ladder, but also stay on track to eventually become mortgage-free.

Mr Calder told : "Buying your first home is a major life achievement, but it's also the start of a decades-long financial commitment. And with so much information out there, how do you really know that you're getting the best deal for you?" At TSB, mortgage lending rose by 12% in the first quarter of this year, a sign that buyer confidence is on the rise - and a potential window of opportunity for those considering taking the leap. Mr Calder said: "Many lenders are now offering more flexible products, smarter tools and enhanced support to meet the needs of even more customers. So, whether you're working towards that first step onto the property ladder or making the last payment to become mortgage-free, here are a few practical tips to help you on the way."

According to Mr Calder, the first step is knowing exactly where you stand financially. He said: "Know your numbers - look at your income and outgoings and make a realistic plan for how much you can save towards a deposit and by when."

Your also plays a crucial role in what you'll be able to borrow.

Mr Calder said: "Try not to miss any payments, clear off any where possible as this may help with both affordability and the amount you can borrow, and avoid new credit applications. It's also worth checking you're registered on the electoral roll, as it can have a negative impact on your score if you're not."

Another important step is securing a mortgage agreement in principle. Mr Calder explained: "With many lenders, this doesn't impact your credit file and will give you a rough idea of what you can borrow based on your current income and credit history."

Mr Calder also urged first-time buyers to thoroughly research the housing market. He said: "Use house comparison sites to monitor the market and find the right location, price and size of property for you and your budget. Be prepared to compromise to make sure you're able to balance paying your mortgage with living comfortably."

With a deposit saved and a property in sight, choosing the right mortgage is next, and expert guidance can make all the difference. Mr Cadler said: "Talk to your bank or mortgage broker - by speaking to an expert, you can access more personalised guidance and will have the opportunity to ask any questions to weigh up your options."

Some buyers may benefit from schemes like shared ownership or guarantor mortgages. TSB even offers a solution for renters. Mr Cadler said: "TSB offers renters with a 5% deposit the opportunity to get a 5% discount on the house purchase price when they buy from their landlord."

Buyers also need to decide between a fixed or variable rate mortgage. Mr Cadler said: "With a fixed rate, you'll have set, monthly payments that don't fluctuate over time, while variable or tracker rates can go up or down alongside the Bank of England base rate."

However, the expert warned not to be blinded by the rate alone. Mr Cadler said: "Consider the total cost, not just the rate - make sure to take into account any fees (like Stamp Duty, arrangement fees, valuation fees or legal fees) and build that into your budget."

Once you've moved in, managing your mortgage proactively can save thousands. Mr Cadler said: "Remortgage regularly - review your deal every two to five years to make sure you are getting the best rate and are not overpaying on interest if you don't have to."

If your finances allow, you could consider making overpayments. Mr Cadler said: "Many lenders will let you overpay by up to 10% a year without any additional costs or penalty. Even small monthly overpayments can knock years off your mortgage term and save thousands in interest."

It's also wise to reassess your mortgage at major life milestones. Mr Cadler said: "Marriage, children or even career changes can all impact your financial position. Remortgaging, switching products and extending or shortening your term can help match your mortgage to your financial goals."

Finally, when the end of the mortgage journey is in sight, there are a few final steps to take.

Mr Cadler said: "Request a redemption statement. When you are ready to clear the balance, ask your lender for a final figure, including any early repayment fees or admin charges."

Next, update your property records. Mr Cadler said: "You can do this with the Land Registry and may even be able to redirect your old mortgage payment into savings or investments."