First Time Buyer guides

Your credit score is taken into account when taking out a mortgage, but there are other factors at play too. Find out more about credit scores & mortgages.

Use this mortgage guide to find out all about deposits, including how much you're likely to have to save for a mortgage.

Find out everything you need to know about joint mortgages, including taking out a joint mortgage with your parents or friends, how much you can borrow and what happens in the event of separation.

L&C is a fee free mortgage broker, meaning we’re paid by the lender and not by you. However, some brokers do charge. Our guide explains more.

New to the world of mortgages? There's a lot to learn in a short space of time. Use this guide to help you understand the basics of how mortgages work.

Use this mortgage guide to find out about the different types of mortgages there are available.

Looking to find out what a Shared Ownership mortgage is? This L&C guide answers all your important questions.

Find out all you need to know about the government schemes available for first time buyers in the UK.

Use this mortgage guide to find out more about the process of getting a mortgage.

Use this mortgage guide to find out about the questions to ask when buying a house.

Use this mortgage guide to find out about the specialist mortgage products that are available.

Looking to get a new build mortgage? Here is a guide on everything you need to know so that you experience no issues along the way.

There are a number of ways for first time buyers to get themselves on the property ladder. Whether you’re right at the start of your journey or ready to buy your first home, we’ll take you through some of the best options in this guide.

Use this mortgage guide to find out all about Help to Buy, the government's scheme for first time buyers.

Looking to find out more about 90% and 95% mortgages? Read our guide to understand what they are, how they work and the pros and cons of these low deposit mortgage options.

Your credit score could be positively or negatively affecting your ability to get a mortgage. Find out more about what this means and what you can do.

The new Lifetime individual savings account or LISA, is designed to help first-time buyers save a deposit to buy a property, or those who want to save for retirement, or both.

If you’re buying a property costing more than £125,000, you’ll need to pay Stamp Duty on your purchase. Find out more about how stamp duty works.

Considering buying a leasehold property? Let us highlight a few things you’ll need to consider...

When you apply for a mortgage, one of the first things lenders will want to check is how you have managed any borrowing in the past. They do this by looking at your credit score, which is essentially a number that represents your credit history.

Use this mortgage guide to find out whether it might be cheaper to buy or to rent a house.