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.



Affordability problems destroy property buyer confidence

The housing market has hit a tipping point with seller confidence and buyer pessimism both reaching new extremes.

Row of houses and parked cars

Housing market flat in June - Land Registry

House prices in June were 6.4% higher than a year ago although the market saw no growth between May and June, figures from the Land Registry have shown.


Housing market growth at 18 month low

The property market has started to cool down with prices rising at their slowest level for 18 months, figures from Hometrack have suggested.


Yorkshire BS boosts lending 50%

Yorkshire Building Society Group has posted increased profits on the back of 50% increase in mortgage lending, its interim results have shown.


Virgin removes £30k income threshold on Help to Buy equity loan and opens scheme to Scotland and Wales

Virgin Money is set to remove the £30,000 minimum income threshold for joint and sole income on its Help to Buy Equity Loan range.


Bank mortgage lending up a quarter

Gross mortgage lending by banks has risen by almost a quarter in the year to June, figures released by the British Bankers’ Association have shown.


Property market flattens out in June

Property transactions remained flat in June but the market is still significantly ahead of 2013 levels, new figures have showed.

first-time buyer mortgage

Five more mortgage lenders poised to enter market

Another five new or returning lenders are expected to start offering mortgages this year.


Market forces push out first-time buyers

The number of sales to first-time buyers fell in June by five percentage points to 20% of total sales, figures released by the National Association of Estate Agents have revealed.


Average buyer to face £7,500 Stamp Duty bill by 2016

If average house prices keep rising at their current pace they will exceed the Stamp Duty threshold of £250,000 within two years.


Bank of England blames property shortage for slowing lending

The Bank of England has highlighted a shortage of properties in the UK housing market and the impact of the Mortgage Market Review as the two reasons for a slowdown in mortgage lending growth.

Martin Wheatley

FCA in talks with lenders over strict affordability assessments

The Financial Conduct Authority is speaking to individual firms which are being ‘too assiduous' in their assessment of borrowers' affordability.

EE 4G hits more towns and cities

Scottish Help to Buy scheme runs out of cash

The Scottish Help to Buy scheme has ran out of funds after its entire budget was used up in the first three months of the financial year.

A man with an umbrella sheltering from a thunderstorm

Family BS launches UK's first mortgage with built-in redundancy waiver

Family Building Society, which launched yesterday, began offering the UK's first ever mortgage waiver product, offering built-in unemployment protection for borrowers.


London property prices show record growth

The average house price in London grew by more than a fifth in the last year, the latest data released by from the Office for National Statistics has shown.

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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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