First Time Buyer guides

If you're struggling to get on the property ladder, you could take advantage of possible schemes to help you buy a home. Go online today and see if you qualify for government or developer help

Struggling to understand what a mortgage is? Bogged down by all the different terms surrounding mortgages? Learn everything you need to know with our mortgage advice

A fixed rate mortgage is where your repayments are set for a specific amount of time. read more to see if it's the right deal for you and apply online today.

Trying to buy your first home can be difficult, which is why the First Homes scheme could be a great option for those struggling to get on the property ladder. Look to see how L&C can help you get on the property ladder today

If you're hoping to get on the property ladder. but are struggling with your deposit, then the Deposit Unlock Scheme could work for you. Find out if it's the scheme for you today

If you’re new to the home buying process, you may be confused about who does what. This helpful guide makes it clear who does what in the buying process.

Use this mortgage guide to find out what mortgage brokers like L&C do, from mortgage advice to brokering your mortgage.

Preparing your paperwork in advance will help speed up the process of your mortgage application. This guide will take you through all the necessary steps to help get you organised.

If you’re looking to buy a home, then getting a mortgage in principle is your first step. However, when you’re looking at properties, there are some things that can make getting a mortgage very difficult. read on to see what you should avoid.

When buying a property, it is important to know whether it is freehold or leasehold. This choice affects your rights as an owner, your responsibilities, and your long-term costs. Our guide will help you decide which property is best for you.

Find out how much your mortgage could cost, including key factors like deposit, interest rates, and repayments. Speak to an expert adviser and get fee free mortgage advice from L&C

Find out how the Own New Rate Reducer scheme works and if it could help you get on the property ladder

Taking out a mortgage for the first time can be daunting, especially with so many different deals to choose from.

APRC stands for Annual Percentage Rate of Charge. APRC tells you how much your mortgage will cost you each year, assuming you kept it for its full term.

EPCs were introduced in 2007 and are valid for 10 years from the date of issue. You’re legally required to have one if you’re planning to sell your home or let out a property. Here, we explain exactly how they work, and how to go about getting one. What is an EPC rating and what does it mean? Properties are rated

If you're planning on buying your first home using a gifted deposit from family or friends then read our guide to find out more about the legal process

Conveyancing is an essential part of buying a property, so it's really important to understand the process. You can read more in our guide.

If you're buying a leasehold property your conveyaning will need to go through a few extra steps. Read more about the legal process in our guide.

L&C explains how long a mortgage application takes, how long you can expect to wait for yours and what you can do to speed up the process.

Use this mortgage guide to find out about the costs of buying a house.

Japanese knotweed, the invasive plant that often plagues our gardens, can be a major headache for anyone buying or selling a property, but there is help available if you know where to look.

Is a tracker mortgage the right option for you? Find out everything you need to know about tracker mortgages here.

Looking to learn more about variable rate mortgages? We’ve created a guide that looks at the different options available and their pros and cons.

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

Solicitor property searches are an important stage of the mortgage process. This guide will help you understand how conveyancing works.