Guidance for buyers purchasing their first home, from a directly FCA-authorised broker with whole-of-market access to more than 90 lenders. Guides covering deposits and loan-to-value, agreements in principle and what lenders check before issuing one, affordability assessment and how income, credit commitments and dependants affect what you can borrow, gifted deposits and family assistance, shared ownership and government schemes, Stamp Duty Land Tax relief for first-time buyers, and the practical steps from offer through valuation and conveyancing to completion. Written to explain what actually happens at each stage, not just what to search for. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
