Mortgage Advice for First Time Buyers, First Time Buyer Mortgages and First Mortgage Advice

First Time Buyers Mortgages

Graduate Mortgages

How do Graduate Mortgages or Mortgages for Graduates Work?

As well as being able to borrow up to over the full value of the property, your income multiples are boosted. How much by will depend on factors such as your outstanding debt and credit score.


Advantages of Graduate Mortgages

Not having to find a deposit – and having 2% extra – will be a welcome feature after the costs of going to university.

As the deal applies to graduates up to 35 years old, you will have plenty of time.


Disadvantages of Graduate Mortgages

Graduates rarely start off on a higher salary. They can also have a lot of debt, so you could struggle to make your repayments in the early years – especially having borrowed more than 100%.


Graduate Mortgages Mortgage Advice

Request graduate mortgages mortgage advice and find out which mortgage is really the best one for you.

Features, advantages and disavantages of specific first time buyer mortgages:

100% Mortgages l Cashback Mortgages l Graduate Mortgages l Professional Mortgages l Mortgages with Parents l Guarantor Mortgages l Family Offset Mortgages l Mortgages with Friends or Family l Mortgages at University l Rent a Room Mortgages l Affordable Mortgages l Interest only Mortgages l Part Repayment Part Interest Mortgages l Interest-free Start Mortgages l Shared Ownership Mortgages l Poor, Adverse or Poor Credit Mortgages l Key Worker Mortgages l Shared Equity Mortgages l 30, 35, 40 Year Term Mortgages


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There's alot going on! What do you think?

Interest rates are low but could rise? Is this a good time to buy?

Yes
No

Varialbe rate mortgages go up if bank interest rates do. Which is your preference?

Fixed Rate
Variable rate

Interest only mortgages are cheaper but in the end you don't end up owning the property. Which is better?

Interest Only
Repayment

House prices are waivering. Do you think this is a good time to buy?

Yes
No

Shared equity mortgages allow you to buy a new home with 5% deposit and an equity loan through FirstBuy. What do you think?

Too complicated
Too expensive
Too risky

Rent to buy allows you to peg a property price, save towards a deposit and pay reduced rent. What do you think?

Works best in a rising market
Too complicated
Good option