First Time Buyer Hub

🏡 Here is another mortgage range offered by Kensington Mortgages for public sector workers and professionals. These products allow increased affordability for those customers who qualify for these products.

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🏡 New Build Boost offered by Gen H is a mortgage scheme which helps homebuyers with a minimal deposit buy a new-build home. It combines a traditional mortgage with a minimum deposit of 5% and an interest-free equity loan, allowing the buyer to access 80% LTV mortgages.

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🏡 A Gen H Deposit Booster is a financial contribution from a family member or friend to help a first-time property buyer with their property deposit, structured as a gift, an interest-free loan, an equity loan or a mix of all. The booster is not on the property deeds or the mortgage, and their financial contribution is secured through a legally binding agreement managed by Gen H. The deposit booster’s financial interest can be a set loan amount that is repaid over time, or it can be tied to the property’s value, meaning their stake increases or decreases with the house price.

Would you like to know if there are any specific mortgage products or solutions which could help you get on the property ladder? Get in touch - DM us or send us an email, we will book a free online meeting with you and we will discuss everything.

And if you know someone who would benefit from following our account - share us please, don’t keep us a secret!

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🏡 A Gen H income booster is a product from the mortgage lender Gen H that allows a friend or family member to be added to a mortgage, increasing the borrower’s purchasing power without them owning the home. This works by including the booster’s income in the mortgage application, allowing borrowers to afford a larger loan and potentially buy sooner. The booster is liable for the mortgage payments but is not on the property deeds, meaning they do not own the home. This allows first-time buyers to maintain their first-time buyer status and avoid paying the higher rates of stamp duty on the entire property.

Are you planning to buy your first home in the nearest future and need some help, guidance and clarity? Get in touch - DM or email us and we will book free consultation

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🏡 Here is another lender who has a solution for first time home buyers. A NatWest Family-Backed Mortgage allows you to add a second person to your mortgage without them owning the property. This will help you borrow more and buy a bigger property or buy it sooner.

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🏠 Do you know someone who might benefit from following our account? Share us, don’t keep us a secret!

🏡 Here is another solution for FTBs offered by Newcastle BC. It is designed to help people get on the property ladder sooner with a smaller up-front cost.

If you wish to find out which of first-time buyers mortgage products and solutions can suit you - get in touch. DM us or send us an email to [email protected] and we will book a free no obligation consultation to discuss everything

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🏡 An April 100% mortgage allows buyers to purchase a property with no deposit, by borrowing the full value of the home. The main risks include negative equity if house prices fall, higher monthly repayments because the loan amount is larger, and significant early repayment charges if you remortgage to another lender during your fixed rate period, but not if you move house.

These type of mortgages are more risky and you will need to understand fully how they work. So do talk to your mortgage adviser and make sure you read all small print. And if you do not have a mortgage adviser yet - get in touch, we will be happy to assist you

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🏡 This is another mortgage product dedicated to the first time buyers market:

Yorkshire Building Society, one of the largest mutual building societies in the UK, and their dedicated Intermediary-only subsidiary Accord Mortgages (available to first time buyers via mortgage advisers only) created a special mortgage product for first time buyers. It allows to borrow up to 99% of a property’s value to the maximum price of £500,000 with a deposit of just £5,000.

Have questions? Get in touch - email us or DM us and we will book a short online meeting to answer your questions. And if you are planning to buy your first home now or in the nearest future and need help with your mortgage then get in touch, we will be happy to assist you

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🏡 Barclays Family Springboard mortgage allows family members to help each other get on the property ladder. With this mortgage people can buy their first home without a deposit if their family or loved ones can provide 10% of the property’s price as security.

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🏘️ If you or someone you know are looking to buy your first home now or in the next year or two and you need help, support or have unanswered questions - get in touch with us. DM us or send us an email and we will book a short online meeting to discuss everything.

🏡 Track Record mortgages offered by Skipton Building Society use your rent payment history to calculate your borrowing, with a fixed 5-year rate and no deposit needed. This mortgage is for current renters who haven’t owned a property in the last 3 years, who have got 12 months of rent history, and a deposit under 5%.

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Buying your first home isn’t easy ~ high prices, big deposits, and tight affordability rules have made it challenging for many.
But there’s good news: a wave of first-time buyer–specific mortgage products are helping people get on the property ladder again.

Over the next few posts, we’ll spotlight real examples from UK lenders and explain how they work - from no-deposit mortgages to family-assisted schemes and income-boosting options.

If you or someone you know is hoping to buy for the first time, stay tuned - this could help you find the right route forward.

And if you plan to buy your first home soon and need some help or have unanswered questions - get in touch. DM us or send us an email and we will book 30 min free consultation so you get your questions answered