First-Time Buyer

Everything you need to know about buying your first home.

First-Time Buyer Guides

First-time buyer mistakes to avoid

There’s more to homeownership than paying the mortgage. Watch out for these missteps.

15 March, 2019

Should I use a mortgage broker, or go direct?

If you’re looking for a mortgage, you might be wondering whether or not you should talk to a mortgage broker or go directly to the lender. These days, brokers do more than simply churn out a list of [...]

13 March, 2019

How to get a mortgage with no deposit

When the cost of living is growing faster than the average salary, saving up a mortgage deposit can be a difficult task, especially when house prices continue to rise. The latest data shows the average [...]

12 March, 2019

How to improve your credit score

Paying off your balances in full is just the beginning of a path toward better credit.

12 March, 2019

Credit score guide

Your credit score is an indication of your financial behaviour, which lenders scrutinise every time you apply for credit in any form. Your credit score will either unlock access to the cards, loans, and [...]

7 February, 2019

How long does it take to save up a deposit?

How long it takes to save up a deposit for a house is influenced by a number of factors including your income versus your outgoings, how much the type of property you want costs and whether you’re saving [...]

6 February, 2019

90% LTV mortgages

Whether you’re buying your first place, remortgaging or moving house, a 90% loan-to-value (LTV) mortgage is a pretty good place to start. To get a 90% LTV mortgage, you need a 10% deposit. This should [...]

4 February, 2019

Joint mortgages

Joint mortgages are pretty much the same as regular mortgages except that there can be up to four different names on the deeds instead of one. You can jointly buy a property with a spouse, partner, friend, [...]

4 February, 2019

Mortgage calculation: How much can I borrow?

The amount you can borrow for a mortgage, and the interest rate offered on it, will be based almost entirely on your income and the size of your deposit. These days, the maximum loan you’ll be offered [...]

31 January, 2019

What is a mortgage?

A mortgage is a type of long-term loan that most people need in order to buy a property. You borrow the money from a lender – usually a high-street bank or building society – and then pay it back (plus [...]

30 January, 2019

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