First-Time Buyer Guide
Everything first-time buyers need to know about getting a mortgage in the UK, from deposits to stamp duty relief.
A complete guide for UK first-time buyers covering: deposit requirements (typically 5-10%), Help to Buy alternatives, stamp duty relief, credit score preparation, what lenders look for in your application, and common mistakes to avoid. We explain loan-to-value ratios, affordability calculations, and why getting an agreement in principle before house hunting matters.
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Your home may be repossessed if you do not keep up repayments on your mortgage.