Resources

Buying your first home can be nerve-racking if you’ve spent years saving a deposit while watching house prices and mortgage rates rocket. If you’re wondering whether you’ve got enough to make it work, it can be reassuring to know what support is available to first-time buyers. As an eligible first-time buyer, you may be entitled…

If you’ve spent an evening flicking between mortgage comparison websites and ended up with more questions than answers, you’re not alone. This is one of the most common experiences first-time buyers describe when they come to us. The numbers look similar on the surface, and yet somehow each one feels like a different puzzle. The…

What can you afford, and where should you buy? Where to start as a first-time buyer in London Knowing where to start can be the hardest part of buying your first home in London. Prices are high, competition is real, and the process involves more steps (and more costs) than most people expect. If you’ve…

Whether you’re struggling to save a deposit or need help finding affordable housing, these 2025 schemes could help turn your homeownership dream into a reality.

This comprehensive guide explores the five most common challenges first-time buyers face in the UK, offering practical, in-depth solutions to help you navigate the process with confidence.

This guide breaks down the UK home-buying process into simple steps to help you get the keys to your dream home

Effective strategies to save for your first home, from using a Lifetime ISA to exploring first-time buyer schemes.

Learn how income, expenses, credit history, and deposit size affect your borrowing potential. Get tips to maximise your mortgage amount as a first-time buyer.

It was a disappointing Spring Budget for anyone looking to get onto the housing ladder. There was a distinct lack of announcements concerning Lifetime ISAs (contrary to expectations), no replacement for Help to Buy and no changes to Stamp Duty thresholds, a disappointment for many. Just a few days ahead of the key fiscal event,…

1. Deposit The first step is to understand how much deposit you are able to put down. The majority of lenders require a minimum 5% deposit however the actual amount you put down is your own choice. The bigger the deposit, the lower the loan to value ratio will be, meaning you can obtain a…

An update on stamp duty The Chancellor, Rishi Sunak, has announced there will be no stamp duty tax on all property purchases, up to £500,000. This positive news is expected to boost the economy and housing market following the Covid-19 crisis and lockdown restrictions. What is stamp duty? Before the announcement, if you purchased a…

An Agreement in Principle (AIP), also known as a Decision in Principle or Mortgage in Principle, is an official statement from a mortgage lender. It states that, according to the basic information provided, the lender would lend a certain amount to the potential borrower.

Here is our short guide on what to do as a first time home buyer. Read tips from our expert mortgage advisers on how to prepare for buying your first house. Contact us to discuss your circumstances with an expert mortgage broker.