What are the pros and cons of 100% mortgages?
A 100% mortgage is, very simply, a home loan which allows the buyer to purchase a property without putting down any money (or a deposit) up front. Prior to 2008,…
first time buyer
A first-time buyer’s guide to mortgage rates
A glance at the news over the last 12 months or so would suggest that mortgage rates are a very hot topic indeed. For the last 14 years, mortgage rates…
First-time buyer benefits – what schemes are available?
Any first-time buyer trying to save up for a deposit to purchase their first home may feel daunted by how expensive the housing market is. There is no doubt that…
Jargon Buster: What are the key mortgage terms every first-time buyer should know?
Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of jargon and terminology used during the…
Budgeting beyond the deposit for first-time buyers
According to a recent report from Skipton Building Society, the first step onto the property ladder is the hardest. There’s no question that it can all seem very daunting for…
Why is it harder for first-time buyers to buy in 2026?
For first-time buyers in 2026, the property market is in stark contrast to when previous generations bought their first homes. The average first-time buyer in 1960 paid a deposit of…
Six key factors that can affect your first mortgage application
Applying for your first mortgage is an exciting milestone, but it can also feel overwhelming. Lenders assess numerous factors to determine your eligibility, and some seemingly minor financial decisions can…