Buying your first home is one of the biggest decisions you'll ever make. Our specialist first-time buyer advisers will guide you every step of the way — completely free of charge.
Takes 2 minutes — no credit check
The process can feel daunting, but it follows a clear sequence. Here's what to expect from start to completion.
Beyond the deposit, first-time buyers need to budget for several additional costs. We'll walk you through all of these.
| Stamp Duty (SDLT) | £0–varies |
| Solicitor / Conveyancing | £1,500–£3,000 |
| Survey | £400–£1,500 |
| Lender arrangement fee | £0–£1,999 |
| Broker fee | £0 with us |
| Buildings insurance | From £100/yr |
There are several schemes designed to help first-time buyers get onto the property ladder with a smaller deposit.
Buy a share of a property (25%–75%) and pay rent on the rest. You can staircase up to full ownership over time. Minimum 5% deposit on your share.
Several lenders now offer 95% LTV mortgages — meaning you only need a 5% deposit. We'll find you the best deal available.
Save up to £4,000/year and receive a 25% government bonus (up to £1,000/year) towards your first home deposit. Must be used before age 40.
Start your application in 5 minutes — no fees, no obligation.