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First time buyer mortgages

Buying your first home is one of the most exciting things you will do, and we are here to make sure you enjoy it! Our friendly mortgage advisers are experts in the market and will guide you throughout the entire mortgage process.

We know that one size doesn’t fit all, and therefore offer appointments 7 days a week to find you a mortgage product that fits perfectly. Our mortgage advisors will assess your personal circumstances and talk you through all of your affordability options, so you can get a good idea of how much you can borrow and start searching for your dream home.

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These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

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Frequently asked questions

To buy a home with a mortgage, you will need to save a deposit of at least 5%. However, the more you can save, the better your mortgage rate will be.

If you have been living in a council property for three years or more, and are looking to buy your home under the Right to Buy scheme however, most mortgage lenders will now accept your Right to Buy discount as a deposit.

To understand which mortgage deal is right for you, contact our professional mortgage advisors who will help find the best mortgage deal to fit your individual needs.

The government has created the Help to Buy scheme to assist first time buyers in buying their own homes. The scheme consists of two parts; Help to Buy Shared Ownership and Help to Buy Equity Loan.

Shared Ownership gives first time buyers the opportunity to buy shares (between 25% and 75%) of a new or existing property and pay rent on the remaining portion. With Equity Loan, the government will lend a new home buyer 20% of the purchase cost, which means you will only need a 5% cash deposit and a 75% mortgage to buy your home. If you are looking to buy a property in the city under the London Help to Buy, the government percentage the Government will lend you increases to 40%. However, the cost of the property you can buy is capped at £600,000.

The Help to Buy initiative also includes a Help to Buy ISA, which rewards first-time buyers by boosting their savings. If you pay in £1,200 in the first month and then £200 a month thereafter, you will receive the maximum £3,000 bonus from the government when you are ready to buy your home.

The government’s latest savings initiative the Lifetime ISA, also aims to help first time buyers get on the property ladder, and is beneficial for those who are looking to buy their first home within the next few years. You can pay in up to £4,000 a year and receive a 25% boost to your savings at the end of the first year and then each month thereafter.

If you would like to find out more about the Help to Buy scheme and check your eligibility, our expert mortgage advisors are here to help you.

Information correct as of April 2017 – Sources: www.helptobuy.gov.uk and www.gov.uk/government/news/lifetime-isas-available-from-6-april-2017

When buying a home your mortgage lender will likely insist that you have Buildings Insurance in place before you exchange contracts.

Whilst it is not compulsory to have any other level of cover in place to buy a property, there are insurance policies that can help you through a rough patch. For example, Income Protection can pay your mortgage repayments for a fixed period of time, should you unexpectedly find yourself out of work due to an injury or illness, whilst a Life Insurance policy could completely clear your outstanding mortgage debt, should the worst happen to you.

If you would like to know more about the various protection options that are available, we can help. Our expert mortgage and protection advisors can meet or chat at a time to suit you, and can ensure that you get the right level of cover for your personal circumstances at an affordable price.

If you need a mortgage to buy your new home, then your mortgage lender will ask that a valuation be conducted on the property, before they determine whether they will approve your mortgage offer or not.

There are three different types of home surveys available. The survey your lender will request to be made, is dependent on the type of property you are looking to buy. For peace of mind, you can however pay to have a full structural survey carried out on your property, before you commit to buying it.

  • Home condition survey: Most basic and cheapest survey, often used for new-builds
  • Homebuyer’s report: More thorough, as it evaluates the inside and outside of the property
  • Building survey:  A complete survey that assesses the full structure of the property, generally used for older or unusual properties.
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