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

Securing first mortgage 'is most stressful experience in life'

26-Jan-2010

Almost one-quarter (24 per cent) of homeowners rate buying their property as the most stressful experience of their life - with the burden especially tough on first-time buyers (FTBs).

Roughly six-in-ten second-time buyers (59 per cent) said that the level of worry decreased when they moved on, indicating the hardship involved with securing a first mortgage is the most intense.

Being part of a property chain is another factor which tends to increase stress levels, according to the research by Unbiased.co.uk.

One way to avoid such concerns may be to choose a shared mortgage, shared equity deal or ask for parental help - all of which could help to decrease reliance on a difficult-to-attain traditional mortgage.

Karen Barrett, chief executive at the website, said: "So much time and effort is invested into finding the right home, it is no surprise people find it more stressful than having a baby."

Those who wish to persist with the mortgage route may wish to consider a deal offered this week by the Yorkshire Building Society specially designed for FTBs.

How to buy a house from finding your first property, first time buyer mortgages, mortgage advice, shared equity, shared ownership, joint ownership, part buy part rent and HomeBuy. All a first time buyer could need as well as first time buyer news at FirstRungNow.com.

FTBs 'battling to enter less affordable' housing market
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FTBs 'not helped at all by low interest rates'

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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?

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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