First Time Buyers

Getting a mortgage can be complex. There’s lots to know, so we’ve put together a step by step guide to what you can expect.

Whether or not you fix your mortgage will depend on your circumstances and your preference. Find out how fixing a mortgage works.

Thinking about a getting a mortgage deal with a high loan to value ratio? Understand the risks and benefits of taking out a low deposit mortgage.

Looking to buy a home but not sure if you want a leasehold or a freehold? Find out what both mean and the differences between them here.

After the survey has been completed, it may have brought up issues that affect how much you’re prepared to pay for the property. Find out what your options are here.

You’ve received a mortgage offer from a lender – what next? Find out what happens after your mortgage offer has been accepted, how long it takes and what’s next.

Buying your own home is a goal for many people. But what are the best ways to get on the ladder? Start your mortgage journey here.

Want to know if an interest only mortgage may be right for you? Find out how an interest only mortgage works here.

A variable rate mortgage is where you pay different amounts each month based on the Bank of England base rate. Find out how these types of mortgage work.

When you get a mortgage, knowing about interest rates is important. It can help you compare deals and decide which one is right for you.

Every lender has a standard variable rate mortgage. Find out what that are, how they work and why you can do if you find yourself on one.

The APRC (Annual Percentage Rate of Charge) shows you how much you should expect to pay during your full mortgage term. Find out more here.

Curious about what happens when you "complete" on a mortgage? Find out what it is, who sets the date and what you'll need to do.

Curious about offset mortgages? Find out how they work and if they could help to reduce your monthly repayments here.

If you’re a freelancer or own a small business, you might be curious about how this affects getting a mortgage. Find out how it works here.

A tracker mortgage is a type of variable rate mortgage. The interest rate you pay can go up or down depending on the Bank of England Base Rate.

A gifted deposit is a sum of money that could help you buy a property. But how do gifted deposits work and do you have to declare it? Read our guide.

Saving for a deposit on a house is easier said than done, but we’ve put together some tips to help you reduce spending and save up.

A property chain can make the process of buying a home take a little longer. Find out how a property chain works, why they break down and what a chain-free property is.

Getting a Decision in Principle is often one of the first steps to getting a mortgage. Find out what it is, why it can be useful and how to apply for one here.