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First Time Buyers



Buying a property is the biggest financial commitment most of us will ever make, so it is important that you understand the types of mortgage deal available before making a choice. explains them all: fixed rates, variable rate mortgages, tracker deals and more.

Happily, there are plenty of these mortgages on the market aimed squarely at first-time buyers.

If you do manage to squirrel away the 5% of a property’s value, there are now a number of mortgage lenders willing to lend up to 95% loan-to-value (LTV) mortgages. Others offer guarantor homeloans that allow parents or other family members to underwrite your mortgage, or collective arrangements where family finances can be pooled to help you get on the property ladder.

The government also offers assistance in the form of Help to Buy and other schemes.


How to

How to avoid a house of horrors

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How to spot problems when buying

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How to get your mortgage application accepted

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Help for first-time buyers

 Over half of first-time buyers need a leg up onto the housing ladder from thei...

Insure4you: Help finding the right insurance for homebuyers

Buying your own home can be an exhausting and expensive process, but luckily we ...

How to get government help

If you are a first-time buyer struggling to get onto the property ladder, help c...


Guide to First-Time Buyer Mortgages

Buying your first home? Why not download our helpful guide, produced in associat...

Guide to valuations and surveys

Do you need a vanilla valuation or a survey with a fringe on top? Martyn Stones ...

Help for Homebuyers

Download our free, handy guide containing essential Help for Homebuyers, brought...

Guide for First-Time Buyers

Click here to download our handy free guide for first-time buyers, brought to yo...

Guide for First-Time Buyers

Why not consult our handy Guide for First-Time Buyers, brought to you in associa...

Guide for First-Time Buyers

Download our free, handy guide for first-time buyers,produced in association wit...


A third of sales made to first-time buyers in October

First-time buyers accounted for a third of sales made in October, according to t...

NatWest launches new low deposit deals

The new products replace the lender's Help to Buy mortgages, as the government s...

Two-thirds of homebuyers don't check gas safety

Two in three people don’t know if they are purchasing a potential death trap, ...

First-time buyer rates hit hardest following Brexit

The average interest rate gap between high and low deposit mortgages hit a year-...

Boost in low deposit mortgages

The number of 95% and 90% LTV mortgages have seen a significant boost in the las...

TSB removes mortgage fees from across range

The lender has slashed the application fee from both residential and buy-to-let ...

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Speak to an adviser

As a first-time buyer, if you would like free, impartial mortgage advice, read on.

Use Stamp Duty savings to pay down debt, urges Barclays

Borrowers should resist the temptation to spend their unexpected Stamp Duty savings on new furniture or clearing post-Christmas card debt and focus on their mortgage, said Barclays’ head of lending Andy Gray.

Interest rates set to stay at 0.5% till November

Interest rates will not rise before the summer, and probably not until November, according to economists.

More from Your Mortgage

How to understand Help to Buy one and two

The Help to Buy scheme was announced by the Government in March 2013. The Help to Buy scheme aims to help a range of different types of buyers, and is made of two components:

How to insure your mortgage payments

Mortgage Payment Protection Insurance (MPPI) covers your mortgage payments in the event of your being unable to work due to an accident, sickness or unemployment, so it is also known as ASU.

How to repair a damaged credit record

If you have a bad credit rating, it makes sense to set about improving it as soon as you can.

Speak to an adviser

Could you benefit from impartial, free advice?

Your Mortgage Guides

Guide to Offset Mortgages

Download our handy guide to offset mortgages, brought to you in partnership with Scottish Widows Bank

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Is your mortgage fully protected with critical illness?

For a free quote or to speak with an insurance expert call 0800 1218744