First time buyer

Moving soon? It's never too early to get organised! Be prepared and avoid unwanted stress by checking out our list of tips to get you ready for moving day.

Here we have looked into SDLT in more detail and explored how the recent tax reduction can help people who want to buy a new home.

Ultimately, a full structural survey provides you with peace of mind and removes some of the risks associated with buying a property.

we have put together a list of important things to consider whenever you’re comparing mortgage products from different lenders.

Buying your first home comes with a mixture of emotions. Owning a property is a really exciting prospect, but the practicalities associated with actually buying a property can be quite daunting.

It is important to ensure that you’re aware of your credit score and you’re obtaining a copy of your credit report before applying for a mortgage. 

Nowadays 100% mortgages, also known as ‘no deposit’ mortgages, are not available and people who are looking to buy a home will require at least a 5% deposit to get a mortgage offer from a lender.

If you’re new to buying a home, you may hear lots of familiar phrases that you don’t fully understand. One of these phrases commonly used is ‘the chain’. If you’re unsure what this is and why it’s talked about so much, we explain here.

How does a first-time buyer get onto the housing ladder? Here we make a few suggestions...

With the new mortgage guarantee scheme, even if you only have 5% deposit, you may be able to obtain a mortgage on the remaining 95% of the purchase price

Moneyfacts, the independent mortgage market monitor of all things ‘mortgage’ has reported that overall mortgage availability rose in January 2021, to 3,215 products!

A TA10 form is one of several forms a seller must complete during the conveyancing process. The TA10 sets out, in detail, what is or is not included in the sale of the property.

Flats, in particular, are usually owned leasehold because in very simple terms, to own the freehold of a property is basically to own the land below and the air above and, in the case of a flat, clearly this isn’t possible.

What can you do to improve your negotiating position? Here are a few simple tips that too many people ignore.

The chancellor has announced a temporary holiday on stamp duty up to £500,000 as part of a number of measures to help stimulate the economy. We have listed below the key facts following this announcement.

Applying for a mortgage can seem an intimidating and complicated process. Thankfully this is something we do every single day, so we can do much of it for you. Simple.

If you are self-employed, a mortgage lender may ask you to provide a copy of your SA302.

If you can’t come to us we can quickly set up a video or phone appointment.

Here is Katie, senior mortgage adviser discussing the mortgage process when buying your dream home.

Here is Katie, senior mortgage adviser discusses mortgage affordability criteria and how a mortgage lender will base the size of your mortgage on your income.

We have recently seen an increase in the number of people buying homes together, even though they are not married. If you are one of these people, here are a few tips to consider.

Of course, buying your dream home means, by definition, that your heart is driving this at least as much as your head. You need to suppress your desires and keep a cool head. Don’t allow the day dreams and wishes to cloud your judgement.

Buying your first property can seem complicated but if you understand the process you can save time and money. Here is a brief guide to the process of buying your new home.

An Income Multiplier is the number by which a mortgage lender will multiply your sole or joint incomes when calculating the maximum amount they are prepared to lend to you.

A Guarantor Mortgage allows a third party (maybe your parents) to underwrite your mortgage repayments and obligations. But why would you want that?