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.

yourmortgage.co.uk 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.

 

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Shared equity and ownership key to improved housing supply

Mortgage providers need to improve their support for the affordable housing sector and offer more shared ownership and shared equity products to combat the UK’s chronic shortage of housing.

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House prices rising faster in South East than London

New sellers' price expectations are up 2.6% in October compared to September, according to the latest Rightmove house price index.

The Bank of England

Bank of England wants interest rates lower for longer

Interest rates should remain low to avoid long-term economic stagnation, the chief economist at the Bank of England has said.

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UK average house worth just over £200,000

The average price of a property in the UK has stabilised at £203,135, according to the latest Haart Housing Market Monitor.

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Teachers launches 95% deal for NUT members

Teachers Building Society has introduced a 95% mortgage for NUT members buying their first home.

Scissors cutting paper

Santander set to cut rates and launch fee-free trackers

Santander is set to reduce rates across the majority of its fixed and tracker range on Monday, 20 October.

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House price consumer sentiment cools

Consumer confidence in the housing market has fallen to its lowest level in 12 months, according to the latest quarterly Halifax Housing Market Confidence Tracker.

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Expect house price growth slowdown next year - Knight Frank

The UK can expect house price inflation to slow to 3.5% next year as the general election and an interest rate rise creates caution among investors and homeowners.

first-time buyer mortgage

Nationwide reduces mortgage rates for Save to Buy customers

Nationwide is reducing rates by up to 0.70% for borrowers with small deposits opting for the building society's Save to Buy scheme.

houses

Accord launches five-year fix at 2.59%

Accord Mortgages has launched a new range of 65% LTV five-year fixed mortgages.

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Tesco starts lending to 90% LTV

Tesco Bank has launched its first range of 90% Loan to Value mortgage loans.

Scotland flag

Scots abolish slab Stamp Duty tax; Properties worth over £250k slammed with 10% tax

Homebuyers in Scotland purchasing property worth over £250,000 will face a soaring tax bill from April next year as Stamp Duty is abolished in favour of a Scottish Levy called the Land and Buildings Transaction Tax.

estateagent

Almost 60% experience problems with estate agent

Nearly two thirds of people that have bought or sold a property in the last five years experienced a problem with their estate agent, according to research from the National Association of Estate Agents (NAEA).

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Natwest cuts rates on over thirty deals

NatWest Intermediary Solutions is cutting the rates on five-year fixed rates, 60% LTV and Help To Buy 2 intermediary deals today.

bubble for BG

No fear of housing bubble, says CML

All types of lending declined in August compared to July, according to the Council of Mortgage Lenders (CML).

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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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