First Time
Buyers

Getting on the property ladder can appear a daunting task due to property price.  Many lenders however provide special mortgage schemes to help first time buyers.

Nobody should over borrow relative to their income but the facilities available include

• No deposit required - mortgages 100% of property value
• Advances based on affordability rather than income multiples
• Mortgages over 100% to allow for expenses
• Minimum employment period two months
• No proof of income up to 85% - 90% of property value
• Mortgages over 100% to allow for costs