Buying your first home is an exciting and important milestone, but it can feel complex without the right guidance. As a first-time buyer, you may be eligible for a range of mortgage options and government-backed schemes designed to make getting onto the property ladder more achievable. These may include initiatives such as Shared Ownership and the First Homes scheme, which can help reduce the upfront cost of buying a home.

Many lenders also offer mortgage products specifically tailored to first-time buyers, which may include competitive interest rates and lower deposit requirements. A mortgage allows you to purchase a property by spreading the cost over an agreed term through regular monthly repayments. The property itself is used as security for the loan, meaning the lender has a legal interest in the property until the mortgage is repaid in full.

Understanding how much you can borrow, what deposit is required, and which mortgage or government scheme is most suitable for your individual circumstances is key to making informed decisions. Whether you are ready to buy now or planning ahead, expert mortgage advice can help you navigate the process with confidence and move closer to achieving your goal of home ownership.