Taking your first step onto the property ladder or buying again? We'll guide you through every stage of the process and help you secure the most appropriate mortgage deals available.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
We'll guide you through every step of buying your first home, from initial advice to completion.
We'll assess your financial situation, explain your options, and determine how much you can borrow.
We'll find the best mortgage products for your situation and explain all available schemes.
We'll handle your application from start to finish, keeping you updated throughout the process.
Take advantage of government initiatives designed to help you get on the property ladder.
Government equity loan scheme helping you buy a new-build home with just a 5% deposit.
Buy a share of your home (10% - 75% ) and pay rent on the remaining share to a housing association.
First time buyers pay 0% up to £300,000 and 5% on the portion between £300,001 to £500,000. If more than £500,000 standard rates apply .
Government bonus of up to £1,000 per year on savings towards your first home deposit.
Explore the different types of mortgages available to first-time buyers.
Buy with just a 5% deposit. Perfect for those with limited savings but stable income.
Lock in your interest rate for peace of mind and predictable monthly payments.
Family member guarantees your mortgage, potentially allowing higher borrowing or lower deposits.
Everything you need to prepare for your mortgage application.
Common questions from first-time buyers answered by our experts.
Most first-time buyers need a minimum 5% deposit, though 10% or more will give you access to better rates. Government schemes like the Government-backed Mortgage Guarantee Scheme can help reduce the deposit requirement.
Typically 4-5 times your annual income, but this depends on your outgoings, credit score, and the lender's criteria. We'll calculate your exact borrowing capacity.
Budget for legal fees (£500-£1,500), survey costs (£300-£1,000), Broker fees (£99-£900), mortgage arrangement fees, and moving expenses. We'll provide a full breakdown.
From mortgage application to completion typically takes 6-8 weeks, though this can vary. Having all documents ready can speed up the process significantly.
Yes! A mortgage in principle shows estate agents and sellers you're a serious buyer and gives you confidence when making offers on properties.
We work with specialist lenders who consider applications from people with credit issues. The key is being honest about your situation so we can find the Most appropriate solution .
Let our expert Advisers guide you through the first-time buyer process and find the perfect mortgage for your needs.