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First-time buyer applications rose 18 per cent in January

The volume of mortgage applications from first-time buyers increased 18 per cent month on month to 20,845 in January and resulted in the most notable monthly rise since September 2022. According to total market data from CACI which was analysed by First Direct, mortgage applications made by those wanting to get onto the property ladder […]

Top 5 Tips for First Time Buyers

First Time Buyers Mortgages

For the final article in our series aimed at helping First Time Buyers, we offer the top five tips when looking to buy your first home A bigger deposit means the best rates Whilst it is possible to put a minimum of a 5% deposit down on your first house, if you are able to […]

What I need to know as a First Time Buyer

First Time Buyers

Before applying for your first mortgage you will typically need to have done the following: Checked your credit file and credit rating with one of the main credit reference agencies. Saved up a cash deposit Established how much you can borrow Ideally have an agreement in principle in place before choosing a property When you apply for a mortgage the […]

First-time buyer boom

First Time Buyers Mortgages

Stats recently released by the Halifax, state that there were more than 400,000 people buying their first home in 2021, up 35% from the previous year. That rate dropped by 13% in 2020, when the number of Halifax buyers was about 300,000. A stamp duty holiday that started in 2020 saw house buyers rush to […]

First Time Buyers

First Time Buyers

It’s a contradiction for many aspiring first-time buyers that what they’d pay in mortgage repayments is often less than their monthly rent, yet it remains difficult to get onto the property ladder. It’s not as if the desire to own a property is not there. In fact, 49% of 18-34 year olds surveyed said that […]

Lifetime ISAs

Lifetime ISAs

Lifetime ISAs (also known as LISAs) are a type of ISA created to help people save either for their first home or for retirement. If you take out a Lifetime ISA, the government will give you a bonus worth 25% of what you pay in, up to a set limit, every tax year. Find out […]

How much deposit do I need to buy a house?

New Mortgages

Obtaining a mortgage and buying your first home can be quite a daunting experience but how much do you need to save up for a deposit to buy a house? House deposits are usually between five and 20 percent of the cost of the property, which for first time buyers can be an unprecedented amount […]