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

How to Buy a House

Home Information Packs

Stop Press; As from 20th May 2010 HIPs have been suspended but Home Condition Reports and the Energy Performance Certificate are their replacement.

The Enegry Prformance Certificate indicates the thermal efficiency of the property whilst the Home Condition Report gives a brief summary of the condition of the property but would not replace a full or structural survey.

Find out more about the house-buying process:

How Much Can I Borrow? l Find a Property l Mortgages l Conveyancing Solicitors and Legal costs l Stamp DutyProperty Insurance l How to Budget l Surveys and Surveyors l Solicitors l Removal Companies l Utilities Companies l Buying a House at Auction l Buying a Repossessed Property

Most useful and most popular pages on this site:

Look for your First Property l Seek First Time Buyer Mortgage Advice l See our Best First Mortgages Comparison Table l Find out about First Time Buyer Mortgages l Find out How to Buy a House l Learn all about The First Time Buyer Mortgage l Shared Ownership



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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