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First time buyers guide

So, you’re thinking about buying your first home. That’s great – it’s a really exciting time, but it can sometimes be a bit daunting too. That’s why we’ve put together this guide with hints and tips on how to find your perfect property and arrange your mortgage deal.

Where do I start?

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If you're thinking about buying your first home and are not sure where to start, this guide will tell you all you need to know about different types of mortgages and what options are available.

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How do I budget for my first mortgage?

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In this section you can find out about budgeting, what you'll need to save and other costs you'll need to factor in. It also explains what factors are taken into account when your lender is assessing your income.

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Am I eligible for a mortgage?


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You'll need to find out if you're eligible for a mortgage, this section explains some key things you'll need to know, and what factors impact the amount you can borrow.

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What should I look out for when viewing properties?

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Ready to start viewing some properties? This section will explain what to look for inside and outside the house as well as the local area.

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How do I apply for a mortgage?

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Need to know what happens when you apply for your mortgage and what happens next? You can find out in our step by step guide which explains the different steps from the beginning to completion.

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Your home may be repossessed if you do not keep up repayments on your mortgage