First Time Buyer?
Your First Home Awaits
Buying your first home is exciting but can feel overwhelming. We're here to guide you through every step with expert advice tailored to first-time buyers.
Access to 90+ lenders including
What First Time Buyers Need to Know
Understanding the basics will help you prepare for your first mortgage
Deposit
Most lenders require at least 5-10% deposit. The more you save, the better rates you'll get.
Credit Score
A good credit score helps you access better rates. Check yours before applying.
Affordability
Lenders typically offer 4-4.5x your annual income, depending on your circumstances.
Stamp Duty
First time buyers pay no stamp duty on properties up to £425,000 in England.
Government Schemes for First Time Buyers
Take advantage of schemes designed to help you get on the property ladder
Lifetime ISA
Save up to £4,000 per year and get a 25% government bonus. Use it towards your first home deposit or retirement.
- 25% bonus on savings
- Property must be under £450,000
Shared Ownership
Buy a share of your home (25-75%) and pay rent on the rest. You can buy more shares over time through "staircasing".
- Lower deposit required
- Smaller mortgage needed
Your Journey to Home Ownership
We'll guide you through every step of the process