First Time Buyers

In the UK you would typically need a deposit of at least 5% when buying a property. However, in recent times a few lenders have tweak their stance on this and now allow you to obtain a Mortgage with as little as 0% deposit, although there are certain criteria you have to pass in order to achieve this. Talk to our advisers and they guide you when buying your first home.

The amount you can borrow can vary from lender to lender as they all have different stances on affordability, the general rule of thumb is 4.49x your acceptable income. Speak to our advisers and they can find the best affordability for you. 

• Legal Fees
• Valuation Fees
• Stamp Duty (Exempt for first time buyers purchasing up to £425,000)
• Booking & Arrangement fees (Speak to our advisers as there are mortgage options that don't include this)
• Moving Costs

This depends on your circumstances. Once you've spoken to one of our dedicated advisers they can then guide you with informed decisions that best suit you!

YES! You can use your Help-To-Buy ISA until November 2029 where you will still be able to claim the 25% government bonus. 

Whilst your bank may provide you with advice for your mortgage, they are limited to only offering their products. It's worth considering if this is the best option for you, for example every lender has different criteria's to qualify for one of their mortgage products, you may not fit your banks criteria and this is where we come in. We have access to over 80 different lenders at the tips of our fingers. So once we have a good idea about your circumstances we will be in the best position to make recommendations that best a suit you!

This can vary depending on the specific circumstances surrounding each application. Every lender take time to run their due diligence on each application, once your formal Mortgage offer is received your solicitors start their work. The general rule is 8-13 weeks, however, there could be hold ups out of your control, such as the chain breaking. Don't worry though, we will keep you informed and guided through every step!