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.


Post Office

Post Office unveils exclusive branch range

Post Office has launched an exclusive in-branch range which includes a two-year fixed rate mortgage at 2.58% up to 75% loan-to-value, free of any product fees.

first-time buyer mortgage

Help to Buy equity loan completions near 30,000

The government's Help to Buy equity loan scheme has helped just under 30,000 households purchase a property since it launched 15 months ago, statistics have shown.


Income multiple cap must be lifted, says trade body

First-time buyers will suffer if smaller lenders are not given greater freedom to lend above four-and-a-half times borrowers' income, warned the Building Societies Association (BSA).

EE 4G hits more towns and cities

Housing market facing ‘highly uncertain’ future - Nationwide

The outlook for the UK housing market is ‘highly uncertain’ despite strong growth in the last 12 months, Nationwide’s chief economist Robert Gardner has warned.

Three shrubs in a row each larger than the other

Foxtons reports 50% rise in mortgage business in H1

Estate agency group Foxtons has reported just under a 50% rise in revenue generated from its mortgage broking arm, Alexander Hall, but has warned a slowdown is looming.


Is superstition why your house won't sell?

Two thirds of Brits could be put off buying a particular home by a bad vibe, whether that was proximity to a crime scene or just an odd feeling about the owners.

Social Media Sharing

'Social media charter' for financial services firms launches

A 'charter' for financial services firms using social media has launched weeks after the regulator published guidelines on how to communicate compliantly on platforms such as Facebook and Twitter.


OneSavings Bank lending up a quarter

OneSavings Bank residential lending rose 26% in the first half of the year as the bank took advantage of a post-MMR slowdown at other lenders.

Royal Bank of Scotland

FCA fines RBS and Natwest £14.5m over mortgage advice

Royal Bank of Scotland and Natwest Bank have been fined £14.5m by the Financial Conduct Authority (FCA) for failings in their mortgage advice.


West Brom, Clydesdale and Yorkshire launch new products

West Bromwich Building Society and Clydesdale and Yorkshire banks have launched new mortgage products.


Guide for First-Time Buyers

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

first-time buyer

First-time buyer sales hit seven-year high

First-time buyer sales rose to a seven-year high in July as 30,000 fledgling buyers climbed onto the bottom rung of the property ladder.


Shelter slams government house building strategy

Housing charity Shelter has branded the government's housebuilding efforts 'a drop in the ocean' after statistics revealed a 7% rise in annual completions.


Sharp rise in Stamp Duty receipts

The amount of revenue generated by Stamp Duty has risen dramatically against last year, figures from HM Revenue and Customs (HMRC) have shown.


Coventry launches 90% LTV range from 3.95%

Coventry Intermediaries announces the launch of a 90% LTV residential range, with its Flexx for Term and fixed rate options and out today.

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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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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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