First Time Buyer Mortgage Guides

These guides are designed to help first time buyers understand how lenders assess affordability, deposits, credit history, income types, and overall eligibility. You’ll also find practical advice on preparing documents, strengthening your application, and understanding what affects borrowing potential. Clear, straightforward guidance to help make the process easier and more predictable.

How Serious Offences Affect Your Chances of Getting a Mortgage

Dale Townsend

How Serious Offences Affect Your Chances of Getting a Mortgage Applying for a mortgage when you have a serious criminal...

Mortgage Applications and Disclosure What You Must Tell a Lender

Dale Townsend

Mortgage Applications and Disclosure: What You Must Tell a Lender When applying for a mortgage, the information you provide plays...

Spent vs Unspent Convictions What They Mean for Your Mortgage Options

Dale Townsend

Spent vs Unspent Convictions: What They Mean for Your Mortgage Options When applying for a mortgage, many borrowers are unsure...

How Lenders Assess Mortgage Applications After a Criminal Conviction

Dale Townsend

How Lenders Assess Mortgage Applications After a Criminal Conviction Applying for a mortgage can feel more complex when you have...

Can You Get a Mortgage With a Criminal Conviction? Full Guide

Dale Townsend

Can You Get a Mortgage With a Criminal Conviction? Full Guide If you have a past conviction, you may wonder...

Concessionary Purchase Can You Buy With No Deposit?

Dale Townsend

Concessionary Purchase: Can You Buy With No Deposit? A concessionary purchase can offer a rare opportunity to buy a property...

Pros and Cons of Buying a Property at Below Market Value

Dale Townsend

Pros and Cons of Buying a Property at Below Market Value Buying a property at a discount can seem like...

How Credit Issues Affect Concessionary Purchases: Full Guide

Dale Townsend

How Credit Issues Affect Concessionary Purchases: Full Guide Concessionary purchases—where a property is sold below market value, often by a...

What Documents You Need for a Concessionary Purchase: Full Checklist

Dale Townsend

What Documents You Need for a Concessionary Purchase: Full Checklist Concessionary purchases—where a property is sold below market value, often...

Concessionary Purchase Explained Family Discounts vs Landlord Discounts

Dale Townsend

Concessionary Purchase Explained: Family Discounts vs Landlord Discounts A concessionary purchase can significantly reduce the upfront cost of buying a...

Common Landlord Requirements When Selling at a Discount: Full Guide

Dale Townsend

Common Landlord Requirements When Selling at a Discount: Full Guide More landlords are choosing to sell properties directly to their...

Remortgaging After a Landlord Concessionary Purchase: What to Expect

Dale Townsend

Remortgaging After a Landlord Concessionary Purchase: What to Expect If you bought your property at a discount as part of...

Valuation When Buying Your Rental Property at a Discount: Full Guide

Dale Townsend

Valuation When Buying Your Rental Property at a Discount: Full Guide When a landlord offers to sell your rented property...

Can a Landlord Discount Count as Your Deposit? Full Guide

Dale Townsend

Can a Landlord Discount Count as Your Deposit? Many long-term tenants want to buy the property they already live in,...

Buying the Property You Rent: How a Landlord Concessionary Purchase Works

Dale Townsend

Buying the Property You Rent: How a Landlord Concessionary Purchase Works For many long-term tenants, the idea of purchasing the...

What Solicitors Check on a Family Concessionary Purchase: Full Guide

Dale Townsend

What Solicitors Check on a Family Concessionary Purchase: Full Guide A family concessionary purchase can be an efficient and cost-effective...

Lender Requirements for a Family Concessionary Purchase: Full Guide

Dale Townsend

Lender Requirements for a Family Concessionary Purchase: Full Guide Family concessionary purchases are increasingly common, allowing a buyer to purchase...