This guide is for those planning to purchase their first home using a gifted deposit from family. It explains the additional information your conveyancer will require and the legal process involved. It applies to properties

When you purchase a property, you will interact with many individuals with different roles. We have explained who they are and their responsibilities to help you prepare for the process.

When buying a house, people often team up with their friends, family, or partner to buy a property together, requiring them to apply for a joint mortgage.

Choosing the right mortgage from the numerous options that cater to individual circumstances can be difficult. However, understanding mortgage-related terminology and the various types of deals

Shared Ownership is a housing scheme that supports buyers who cannot afford the full deposit for a home that meets their requirements. The scheme enables you to acquire a portion of the property's value

This section will explore the different Government schemes available for first time buyers, such as the mortgage guarantee scheme and Shared Ownership, and provide information about the eligibility criteria for

efore searching for your new home, it's important to determine your monthly mortgage budget. Review your monthly bank statement to understand your incoming and outgoing finances and

A mortgage is a type of loan specifically designed to assist you in purchasing a property. To obtain a mortgage, you typically must provide a down payment of at least 5% of the property's value. The remaining

n 2013, the Government introduced Help to Buy, a scheme to assist first-time buyers in purchasing their first property. The scheme's final iteration, which stopped accepting applications on October 31st, 2022

It can be difficult to purchase your first home, especially in areas with high property prices. Fortunately, there are various ways you can overcome this challenge. One option is to use government schemes

Specialised mortgages are available to cater to your needs if you don't fit the standard borrower profile or are purchasing an unconventional property. There is a large variety of mortgages available

It is important to understand that purchasing property, regardless of size, comes with high costs beyond just the…

To buy a property with a 90% or 95% mortgage, you can deposit just 10% or 5%, respectively and borrow the rest. These types of mortgages are commonly referred to as having a 90% or 95% loan-to-value (LTV) ratio

A tracker mortgage has a variable interest rate that changes depending on an external interest rate, usually the…

When seeking a mortgage, your borrowing history is crucial. Lenders will review your credit score, a numerical representation of your borrowing history. Factors such as timely monthly payments, credit utilisation,