First-time buyers

First-time buyer guides for a clearer first step

Practical guides covering deposits, affordability, documents, credit checks and what to expect when applying for your first mortgage.

Mortgage Options After a Driving Ban or Motoring Offence

Mortgage Options After a Driving Ban or Motoring Offence

Mortgage Options After a Driving Ban or Motoring Offence If you’ve received a motoring offence or driving ban, you might...
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Getting a Mortgage After a Fraud-Related Conviction

Getting a Mortgage After a Fraud-Related Conviction

Getting a Mortgage After a Fraud-Related Conviction Many people worry that a fraud-related conviction will prevent them from ever being...
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How to Strengthen a Mortgage Application if You Have a Criminal Record

How to Strengthen a Mortgage Application if You Have a Criminal Record

How to Strengthen a Mortgage Application if You Have a Criminal Record Having a criminal record can make some borrowers...
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Why Some Lenders Ask for Additional Information When You Have a Conviction

Why Some Lenders Ask for Additional Information When You Have a Conviction

Why Some Lenders Ask for Additional Information When You Have a Conviction Applying for a mortgage can feel complex enough...
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How Past Convictions Combine With Credit Issues on a Mortgage Application

How Past Convictions Combine With Credit Issues on a Mortgage Application

How Past Convictions Combine With Credit Issues on a Mortgage Application When preparing for a mortgage, borrowers sometimes face more...
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Criminal Convictions and Credit Checks How Lenders Review Your Case

Criminal Convictions and Credit Checks How Lenders Review Your Case

Criminal Convictions and Credit Checks: How Lenders Review Your Case Borrowers with past convictions often worry that their criminal record...
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What Underwriters Look For When You Have a Criminal Record

What Underwriters Look For When You Have a Criminal Record

What Underwriters Look For When You Have a Criminal Record Applying for a mortgage can feel daunting if you have...
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Do Minor Convictions Impact a Mortgage Application?

Do Minor Convictions Impact a Mortgage Application?

Do Minor Convictions Impact a Mortgage Application? When applying for a mortgage, it’s natural to wonder whether a past incident—even...
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How Serious Offences Affect Your Chances of Getting a Mortgage

How Serious Offences Affect Your Chances of Getting a Mortgage

How Serious Offences Affect Your Chances of Getting a Mortgage Applying for a mortgage when you have a serious criminal...
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Mortgage Applications and Disclosure What You Must Tell a Lender

Mortgage Applications and Disclosure What You Must Tell a Lender

Mortgage Applications and Disclosure: What You Must Tell a Lender When applying for a mortgage, the information you provide plays...
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Spent vs Unspent Convictions What They Mean for Your Mortgage Options

Spent vs Unspent Convictions What They Mean for Your Mortgage Options

Spent vs Unspent Convictions: What They Mean for Your Mortgage Options When applying for a mortgage, many borrowers are unsure...
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How Lenders Assess Mortgage Applications After a Criminal Conviction

How Lenders Assess Mortgage Applications After a Criminal Conviction

How Lenders Assess Mortgage Applications After a Criminal Conviction Applying for a mortgage can feel more complex when you have...
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Can You Get a Mortgage With a Criminal Conviction? Full Guide

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

Can You Get a Mortgage With a Criminal Conviction? Full Guide If you have a past conviction, you may wonder...
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Concessionary Purchase Can You Buy With No Deposit?

Concessionary Purchase Can You Buy With No Deposit?

Concessionary Purchase: Can You Buy With No Deposit? A concessionary purchase can offer a rare opportunity to buy a property...
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Pros and Cons of Buying a Property at Below Market Value

Pros and Cons of Buying a Property at Below Market Value

Pros and Cons of Buying a Property at Below Market Value Buying a property at a discount can seem like...
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How Credit Issues Affect Concessionary Purchases: Full Guide

How Credit Issues Affect Concessionary Purchases: Full Guide

How Credit Issues Affect Concessionary Purchases: Full Guide Concessionary purchases—where a property is sold below market value, often by a...
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What Documents You Need for a Concessionary Purchase: Full Checklist

What Documents You Need for a Concessionary Purchase: Full Checklist

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

Concessionary Purchase Explained Family Discounts vs Landlord Discounts

Concessionary Purchase Explained: Family Discounts vs Landlord Discounts A concessionary purchase can significantly reduce the upfront cost of buying a...
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Common Landlord Requirements When Selling at a Discount: Full Guide

Common Landlord Requirements When Selling at a Discount: Full Guide

Common Landlord Requirements When Selling at a Discount: Full Guide More landlords are choosing to sell properties directly to their...
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Remortgaging After a Landlord Concessionary Purchase: What to Expect

Remortgaging After a Landlord Concessionary Purchase: What to Expect

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