First-time buyers

First-time buyer mortgages have been hard to secure recently, as anyone looking to get on the property ladder will know.

But there are first-time buyer mortgages on the market aimed squarely at you, so don’t despair. Mortgage lenders usually require bigger deposits from first-time buyers than they did in the past, but many have specific solutions which allow families to help out.

The Government also offers assistance in the form of first-time buyer schemes such as Help to Buy, Firstbuy and NewBuy. explains the details of first-time buyer mortgages, as well the latest relevant mortgage news.

Use our mortgage calculators to work out how much you can afford to borrow and how much you can expect to pay to a lender for your mortgage.

And if you are feeling bewelidered or need a helping hand, just click here and an independent, fee-free mortgage adviser will contact you to discuss your needs.


Co-op shopping basket full of items

Inflation falls to four-year low in March

The rate of price growth in the UK fell to 1.6% in March, from 1.7% in February, according to the Office for National Statistics (ONS).


Starting salaries for graduate jobs 'fall 11% over five years'

Starting salaries for graduate jobs have fallen over the past five years, according to new research.


Vast majority rent as cost of homeownership too high

Almost 80% of consumers rent because barriers to saving and the eventual cost of the mortgage are just too high, according to research.


New homes 'desperately needed' to stem rising prices

The UK desperately needs to build new homes to stem the surge in house prices, an industry body has warned.


Valuers must shield buyers and lenders from risk of housing crash

Chartered surveyors must protect homebuyers and lenders from the mounting risk of a repeated housing market crash, a leading surveyor has warned.

empty house

Empty homes in England reach 10-year low

The number of empty properties in England has fallen to a 10-year low, according to government figures.


8% of 11-16 year-olds setting money aside for mortgage

A staggering 94% of today's 11-16 year olds are setting money aside for the future, with 8% already saving for a mortgage deposit, according to research.

The Bank of England

Lender appetite for risk sees increase in high LTV lending - BoE

Lenders increased appetite for risk and improvements in the economy have caused the availability of secured credit to increase for the seventh consecutive quarter.

Mark Carney

Rates could rise before general election - Carney

Mark Carney said UK interest rates could rise before the general election in May 2015 if there are continued sustainable improvements in the economy.


RBS to axe 44 UK branches

The Royal Bank of Scotland (RBS) is to close 44 branches across the UK amid warnings the move will harm vulnerable customers and local communities.


Mortgage industry bucks rising fraud trend

The mortgage industry was one of the few financial services sectors to witness a decline in fraudulent activity in the past year.

The Bank of England in London

House purchase approvals fall back in February - Bank of England

The number of house purchase loans approved fell back in February, statistics released by the Bank of England have shown.


Ten things to consider before viewing a property abroad

Overseas property expert Richard Way offers some essential advice for people planning on setting up viewings abroad.

Social Media

Borrowers fear social media intrusion

Borrowers are worried about the prospect of lenders using social media websites to help decide whether to lend to them, research has highlighted.


Help to Buy fuels 42% rise in first-time buyers

The number of first-time buyers transactions is 42% higher than a year ago, according to research by LSL Property Services.

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Ask Paula

Ask Paula


If you have a question about mortgages or homebuying, why not ask Editor in Chief Paula John?

Paula is CeMap qualified.

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Your Mortgage guides

Download your FREE guides

Guide to Help to Buy

Download our free, handy guide to the Help to Buy, produced in association with Aldermore Mortgages.

Post Office
Guide for First-Time Buyers

Download our free,handy guide for first-time buyers,produced in association with the Post Office.

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Widely regarded as the UK's definitive consumer mortgage awards, for 22 years the Your Mortgage Awards have recognised and rewarded those lenders and providers that have offered the very best products and services to mortgage borrowers over the preceding 12 months.

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