Buy your home in the right order, with the right numbers in front of you
From can-we-afford-it to keys in hand: budget, loans, viewings, checks, offers and completion, with a workbook, forms, scripts and letters that work in any country and any currency.
- A 13-sheet Home Buying Workbook: affordability with a stress test, price checker, upfront costs, loan offers on true cost, a viewing scorecard for 20 homes, due diligence, negotiation log, completion countdown and a dashboard
- A Rent vs Buy Calculator that shows your break-even year over 30 years
- Five fillable PDF forms, 45 scripts, 7 ready-to-send letters and a buying-together agreement to take to your lawyer
- A 10-chapter e-book, a worked example, 30 AI prompts, four cheat sheets including dated country notes, and a 16-week calendar plan
The Home Buying Master Kit · Bodhih Pro Kits · 116 by Bodhih Training, trainers to 2,000+ companies since 2008.
How do you buy a home step by step?
Work in order: decide whether to rent or buy, set a comfortable maximum price from your income, loan and cash limits, get a loan in principle, write a brief, view and score homes, offer below your walk-away price, run survey and legal checks, then complete. The Home Buying Master Kit from Bodhih Training gives you a file for every step.
Want the full free guide first? Read How to Buy a House Step by Step: A Guide for Any Country.
You already feel the problem. Here is what it is costing you.
The lender's number ate your common sense
A loan in principle arrives with a figure far above what you planned, and suddenly every home you liked looks small. Without your own ceiling, the lender's maximum quietly becomes your budget.
Twenty viewings, no decision
After a few Saturdays the homes blur together. The most charming room wins arguments it should not win, and you are not sure whether you are disagreeing about the house or about the plan.
Loan offers that cannot be compared
One has the lowest rate, one has no fee, one can change. The adverts point at the rate, but the real cost sits in the fees, the deal period and the charges to leave.
The survey arrives and nobody knows what it means
Twenty-six pages, one alarming word on page four, and a seller who wants an answer by Friday. You need a way to decide fix, price or walk, not a sleepless night.
The last mile feels risky
Large sums of money, emails from people you have never met, insurance dates, final statements and a moving van. This is exactly when mistakes and fraud are most expensive.
Picture the next few weeks with the kit open beside you.
Imagine a Sunday evening a few weeks from now. You open the Dashboard and, in ten minutes, see your comfortable maximum price, the loan offer with the lowest true cost, the two homes on your shortlist and the one red flag your lawyer is chasing. Nothing is in your head that should be on paper.
As you open the workbook for the first time and type your real numbers into Settings, you notice something: the decision gets smaller. You can see how a price, a rate or a reserve changes the monthly cost. You can see what a deposit really has to cover. You can test a price before you fall for a kitchen.
On viewing day you carry a checklist, score the home within the hour and type it in before dinner. When the agent rings with talk of other interest, you read the script, name your timetable, and sleep on it. When the survey says roof, you open the Decision Card and the roofer's quote turns a worry into a negotiation.
Whether you start with the Rent vs Buy Calculator tonight or the What We Want brief tomorrow, each step leads to the next file. And on completion day, when you photograph the meters and someone says the empty living room echoes, every number that got you there is already on file.
19 files that do the work for you
The e-book shows you how. The tools make it happen. Here is exactly what you download.
The Home Buying Master Kit (e-book, PDF)
The guide: methods, worked examples, scripts and exercises
Start here: home buying map
One-page map of the whole purchase: each step and the file to open, your first hour, and a 30/60/90 day use plan.
Home Buying Workbook
13-sheet master workbook: settings, affordability calculator, price checker, upfront costs, loan offers on total cost, weighted wish list, viewing scorecard for 20 homes, due diligence tracker, negotiation log, completion countdown, 16-week plan and a dashboard with chart.
Rent vs Buy Calculator
Four-sheet calculator: your assumptions, a 30-year year-by-year comparison of owning versus renting and investing, the break-even year and a chart of the buy advantage.
What We Want brief
Three-page fillable brief: why you are buying, your numbers, must-haves, nice-to-haves and deal-breakers, areas to explore and how you will decide together. Hand page 3 to agents.
Viewing checklist
Three-page fillable checklist for one viewing: first impressions, room by room, outside and the area, the eight-criteria score and what to ask next. Print one per home.
Questions for the seller or agent
Two-page fillable question sheet with 28 standard questions on the home, the sale, costs, legal status and new builds, and room for written answers.
Loan offer comparison sheet
Two-page fillable sheet to compare up to four home loan offers side by side on rate, fees, deal period, flexibility and true cost, plus a checklist for the formal offer.
Snagging and move-in checklist
Four-page fillable checklist: pre-completion walk-through, room-by-room snag list with priorities, completion day record (keys, meters, photos) and the first-week move-in list.
Home buying script library
45 ready-to-use scripts and messages for agents, sellers, lenders, lawyers, surveyors, builders, family and the hard moments, with placeholders to edit.
Offer letter and buyer letters
7 ready-to-send letters: written offer, revised offer after a survey, document request, snag report to a builder, notice to a landlord, withdrawal, and a family deposit gift letter.
Buying-together agreement template
Editable agreement for partners, friends or family buying together: shares, contributions, bills, decisions, what happens if someone wants out. A template to take to a lawyer, not a legal document.
Worked example pack: Sarah and Kwame
The main forms and templates completely filled in for one composite purchase, so you can see what good looks like before you fill in your own.
AI prompt pack for home buyers
30 tool-agnostic AI prompts grouped by step of the purchase, each with what to paste in and what to check before you use the answer.
Country notes (dated October 2026)
Dated notes on taxes, loan rules and legal steps for the UK, US, Canada, India, Australia, UAE, Singapore, South Africa, Nigeria and Kenya, with official sources to check.
Decision card: walk away or proceed
Eight questions in order, with walk-away signals and proceed-with-care situations, for every big step.
Home buying mistakes to avoid
Twenty common mistakes across money, search, legal checks, offers and completion, each with what to do instead, plus a fraud warning.
16-week home buying plan calendar
48 calendar events across 16 weeks: every plan task with the file to open, and a 20-minute Sunday review. Import, then move dates to suit your purchase.
Home buying task board import
37 tasks with stage, owner and due date, ready to import into Trello, Asana, Notion, Planner or Jira.
Chapter by chapter
Each chapter opens with a real situation, gives you a method and ends with something to do today, using the tools in your kit.
- Format
- PDF e-book + XLSX + fillable PDF + DOCX + PDF cheat sheets + ICS + CSV
- Files
- 19 files plus a one-click ZIP
- E-book
- 55 pages
- Works with
- Excel, Google Sheets, LibreOffice, Word, Google Docs, Acrobat Reader, GoodNotes, Google Calendar, Outlook, Apple Calendar, Trello, Asana, Notion
- Best for
- First-time and repeat buyers, buying alone or together, anywhere in the world
- Currency and units
- Any currency (label on Settings); square metres with square feet shown
Rent, Buy or Wait
Decide whether owning fits your life, then run the rent vs buy numbers with three sets of guesses to find your break-even year.
What You Can Really Afford
Find your comfortable maximum price as the lowest of your income, loan and cash limits, with running costs, upfront costs and a reserve built in.
Credit, Documents and a Loan in Principle
Clean up your credit, build one document folder, explain family gifts and get a loan in principle without surprises.
Choosing a Home Loan on Total Cost
Compare home loans on true cost over the years you will keep the deal, and understand fixed, variable, tracker and Islamic finance options.
The Brief: Knowing What You Want Before You Look
Write a brief with testable must-haves, weighted nice-to-haves and deal-breakers, and agree how you will decide together.
Searching and Viewing Like an Inspector
View every home like an inspector, ask 28 standard questions in writing and score each home on the same eight weighted criteria.
The Checks Before You Commit
Run the physical, legal and financial checks with the right experts, including new-build and off-plan risks, and decide fix, price or walk.
Making the Offer and Negotiating
Set a walk-away price, offer in writing, step slowly with reasons and renegotiate only with evidence.
From Signing to Keys
Count back from completion day: insurance, safe payments, the final statement, the walk-through, keys and snagging.
Buying Together and Buying from Abroad
Agree ownership shares, monthly costs and the exit when buying together, and know the questions to check when buying from abroad.
Not just reading. Tools you will actually open again.
E-book
- The Home Buying Master Kit e-book: 10 chapters, introduction, conclusion, dated country appendix and glossary, with 6 illustrations
Spreadsheets
- Home Buying Workbook (13 sheets): Start here, Settings, Affordability, Price Checker, Upfront Costs, Loan Offers, Wish List, Viewing Scorecard, Due Diligence, Negotiation Log, Completion Countdown, 16-Week Plan, Dashboard with chart
- Rent vs Buy Calculator: assumptions, 30-year year-by-year comparison, break-even year and a chart
Fillable PDF forms
- What We Want brief (3 pages)
- Viewing checklist (3 pages)
- Questions for the seller or agent (28 questions)
- Loan offer comparison sheet (up to four offers)
- Snagging and move-in checklist (4 pages)
Word templates
- Home buying script library: 45 scripts for agents, sellers, lenders, lawyers, surveyors, builders, family and hard moments
- Offer letter and buyer letters: 7 ready-to-send letters including the written offer, revised offer, snag report and family gift letter
- Buying-together agreement template, to review with a lawyer
- Worked example pack: Sarah and Kwame's purchase with every main form filled in
- AI prompt pack for home buyers: 30 tool-agnostic prompts with what to paste in and what to check
Cheat sheets
- Start here: home buying map with your first hour and a 30/60/90 day plan
- Country notes, dated October 2026: UK, US, Canada, India, Australia, UAE, Singapore, South Africa, Nigeria and Kenya
- Decision card: walk away or proceed
- Home buying mistakes to avoid (20 mistakes with what to do instead)
Plans and imports
- 16-week home buying plan calendar (48 events) for Google, Outlook or Apple Calendar
- Home buying task board CSV (37 tasks) for Trello, Asana, Notion, Planner or Jira
When you have worked through it, you will be able to…
Every outcome is practised with a worked example and a tool, not just described.
- You will be able to work out a comfortable maximum price that includes running costs, upfront costs, a reserve and a stress-tested rate.
- You will be able to compare home loan offers on true cost over the years you expect to keep the deal.
- You will be able to test rent vs buy honestly and see which assumptions drive the answer.
- You will be able to view and score homes on the same weighted criteria and keep a ranked shortlist.
- You will be able to track every survey, legal and financial check and decide fix, price or walk.
- You will be able to make a written offer, negotiate in steps and stay below your walk-away price.
- You will be able to run the last weeks to completion safely, including verifying bank details and checking the final statement.
- You will be able to agree ownership shares, costs and the exit with anyone you buy with.
Know your starting point. Prove your progress.
People who measure before and after improve faster and can show it. AssessAll, our sister assessment platform, has AI-graded assessments that pair with this kit. Take one now, work through the kit, then re-take it.
Commercial Terms and Contract Reading Assessment for Freelancers, Managers and Small Business Owners
Take the assessment →AssessAll assessmentNegotiation & Value Creation
Take the assessment →AssessAll assessmentBusiness Arithmetic — %, Profit & Loss, Interest
Take the assessment →JobularySet goals you actually reach with the WOOP method (Jobulary)
Make it a growth plan →A taste of Chapter 1
Owning a home gives you control: you can paint the walls, keep the dog, stay as long as you like, and over time your payments build something you own. Renting gives you flexibility: you can move for a job or a relationship in a month, someone else pays for the new roof, and your savings can stay invested and easy to reach. Neither is dead money. Rent buys a home and flexibility. Interest, property taxes, insurance and repairs are the owner's version of rent, and they are not small. So the first question is not "Can we afford it?" It is "Does owning fit the life we are planning?" Then comes the money test: over the number of years we are likely to stay, does buying leave us better or worse off than renting and investing the difference?
The honest comparison
| Free templates and typical advice | This kit | |
|---|---|---|
| Budget | A mortgage calculator that shows the most you could borrow | Your comfortable maximum as the lowest of income, loan and cash limits, with a stress test and running costs |
| Loan choice | Lists of best rates | A sheet that ranks offers on true cost, fees included, over your own comparison period |
| Viewings | A blank checklist | A three-page checklist plus a weighted scorecard for 20 homes with rank and verdict |
| Checks | Advice to get a survey | A 25-check due diligence tracker, a document request letter and a walk-away or proceed decision card |
| Words to say | Generic tips | 45 scripts and 7 letters for every conversation from first call to snag report |
| Countries | One country's rules, often out of date | A method that works anywhere, with dated country notes and official sources to check |
Made for you if…
- First-time buyers who want a clear method and real numbers before they talk to a lender
- Repeat buyers moving up, down or across the country who want to avoid last time's mistakes
- Couples, friends and families buying together who need to agree shares, costs and the exit
- Buyers of new builds and off-plan homes who want to check the developer and the handover properly
- NRIs and expats buying in another country who need a list of what to check and who to ask
- Renters who are not sure yet and want to test rent vs buy honestly
Probably not for you if…
- Anyone looking for a lender, agent or product recommendation: the kit recommends none
- Anyone wanting legal or tax advice for a specific purchase: use a qualified local lawyer and adviser
- Professional property investors building a portfolio: the kit is built for buying a home to live in
Built by trainers, tested in real rooms.
Bodhih Training has designed and delivered corporate programmes since 2008. Bodhih Pro Kits package what works in those workshops into a guide plus the exact tools we use, so you can apply it the same day without a facilitator in the room.
From here to using it in three steps
- STEP 1
Tap Get the kit
Name, email and country. UPI, card or netbanking in India; international cards everywhere else. No account to create.
- STEP 2
Download instantly
Your download page opens at once, with every file and a one-click ZIP. A permanent link lands in your inbox too.
- STEP 3
Open the first tool
Start with the quick-start chapter, then the main spreadsheet or planner. Most buyers use something from the kit the same day.
Forty small decisions, in the right order
Open the workbook, type your real numbers into Settings and read your comfortable maximum before you look at another listing. Whether you start with the Rent vs Buy Calculator tonight or the What We Want brief this weekend, every next step has a file waiting for it.
Personal licence for the buyer's own use (and use with your own team or clients where the kit says so). Please don't share or resell the files. Team and company licences: solutions@bodhih.com.
The Bodhih family, when you are ready for more
The Home Ops Manual
Running the home once you are in.
The Household Money Hub
The household budget system.
AssessAll
250+ AI-graded assessments to measure skills and earn verified credentials.
Jobulary
Individual development plans that start from evidence and stay yours.
Bodhih Training
Run this topic as a live workshop for your team, in person or online.
Pewple
Book a vetted coach for career, leadership or communication. Pay per session.
Bodhih.org pathways
Certification pathways in Applied AI, Workplace English and management.
The Home Buying Master Kit: FAQs
Read the free guideAlready bought? Resend my linkDoes the kit work outside the UK and US?
Yes. The method is the same everywhere, the workbook works in any currency, and the Country Notes cheat sheet covers the UK, US, Canada, India, Australia, UAE, Singapore, South Africa, Nigeria and Kenya, dated October 2026, with the official places to check. Local rules always win, so confirm them with a local lawyer.
Is this financial or legal advice?
No. It is educational content and a set of planning tools from a training company. It recommends no lender, agent, product or app. Before you commit, check your figures with a regulated lender or adviser and your legal steps with a qualified lawyer, conveyancer or solicitor, and leave electrical, gas, structural, roofing and asbestos work to qualified professionals.
How much house can I afford?
Take the lowest of three limits: what your income can carry each month including running costs, the loan you could repay at a higher stress-test rate, and what your cash covers after keeping a reserve and paying upfront costs. The Affordability sheet works this out for you from the Settings sheet.
How do I compare mortgage or home loan offers?
Ask for offers on the same amount and term, then add up the interest and all fees over the number of years you expect to keep the deal. The Loan Offers sheet calculates this true cost and ranks the offers, and the comparison form lists the questions to ask about flexibility and early repayment.
What checks should I do before buying a home?
Physical checks (a survey or inspection, plus specialists where needed), legal checks (ownership, charges, approvals, boundaries, any lease or building rules) and financial checks (valuation, formal loan offer, insurance and the final statement). The Due Diligence sheet lists 25 common checks with who does each one.
We are buying with a partner or a friend. Does the kit help?
Yes. Chapter 10 and the Buying-Together Agreement template cover ownership shares, contributions, monthly costs, repairs, decisions and what happens if someone wants out. It is a conversation tool to take to a lawyer, who can turn it into a valid document where you live.
Does it cover new builds and off-plan homes?
Yes. The checks chapter, the seller questions form and the scripts cover developer registration, approvals, specification, delays, payment protection and inspections, and the snagging checklist and snag report letter cover handover.
How can I measure my starting point?
If you want to test the skills behind a purchase, the AssessAll assessments Business Arithmetic (percentages, profit and loss, interest), Commercial Terms and Contract Reading, and Negotiation and Value Creation give you a baseline before you talk to lenders and lawyers.
How do I turn this into a plan I actually follow?
Import the 16-week calendar, put the task board into Trello, Asana or Notion, and read the Dashboard every Sunday. To set the goal itself, Jobulary's guide to the WOOP method shows how to turn a wish into a plan with obstacles named in advance.
Which apps do I need?
Excel, Google Sheets or LibreOffice for the workbooks; Word or Google Docs for the templates; any PDF reader that fills forms, such as Acrobat Reader; and any calendar app. No subscriptions are needed.
Can I get a refund?
Digital kits are non-refundable once downloaded. If a file is corrupted and we cannot fix it within 3 working days, if you were charged twice, or if delivery failed, contact us and we will put it right.
How much does The Home Buying Master Kit cost?
₹1,299 including 18% GST for buyers in India, or $34 for buyers outside India. One-time payment, no subscription, with an automatic invoice.
How do I get the files after paying?
Instantly. Your download page opens the moment payment succeeds, and a permanent download link is emailed to you. Download each file separately or everything in one ZIP.
What software do I need?
Any of the usual tools: Excel or Google Sheets for spreadsheets, Word or Google Docs for templates, Adobe Acrobat Reader, Preview, Xodo or GoodNotes for the fillable PDFs, and Google, Outlook or Apple Calendar for the calendar plan.
Can my company buy this for a team?
Yes. Team and company licences, and workshops on this topic run by Bodhih Training, are available. Write to solutions@bodhih.com or call +91 99000 11601.
