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

Property Buying Guide

The First Time Buyers' Initiative

What is the First Time Buyers' Initiative and how does it work?

The First Time Buyers' Initiative (FTBI) aims to give more people including key workers the opportunity to own their own home by increasing the supply of affordable housing for sale. It is the umbrella name for government schemes to help first time buyers.

English Partnerships no longer exist in their own right and this has been absorbed by the Department for Homes and Communities.

Who is eligible and what are the selection criteria?

HomeBuy agents assess who is eligible for the schemes such as Rent to HomeBuy, FirstBuy, New-build HomeBuy. They are open to certain first time buyers who have a household income of less than £60,000 pa and keyworkers.

How do I apply?

Contact your local HomeBuy agent. HomeBuy agents assess eligibility and help buyers find a suitable home in their area.

www.communities.gov.uk
www.housingcorp.gov.uk
www.keyworkerliving.co.uk



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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