9 articles tagged with First Time Buyers.
Guarantor mortgages help first-time buyers with insufficient income or deposit get on the ladder. Here's how they work, what the guarantor risks, and how they compare to JBSP mortgages.
Chain-free buyers and sellers can complete faster and with less risk of collapse. Why chain-free properties command a premium, and how to position yourself as one.
A Decision in Principle and a full mortgage offer are not the same thing. What each stage checks, how long they take, and why an AIP is not a guarantee of lending.
Help to Buy has closed, but discount market sale, First Homes and regional shared equity schemes still offer below-market routes into homeownership. How the discount is locked in and repaid.
Gifting a deposit to a family member requires a formal gifted deposit letter for the lender, and can have Inheritance Tax implications for the donor if they don't survive seven years.
Lenders deduct committed childcare costs in full from your income before calculating what you can borrow. How this catches parents out, and what to do about it.
100% mortgages have returned to the UK market, alongside family springboard and offset products that let relatives secure a deposit without gifting cash outright. How each works and the real risks.
How joint borrower sole proprietor (JBSP) mortgages work in 2026: who qualifies, the tax and stamp duty angles, risks for helpers, and how to model affordability.
How shared ownership staircasing works in 2026: costs, valuations, mortgage steps, stamp duty traps and whether buying more shares is worth it.