{"id":6564,"date":"2023-05-29T19:21:11","date_gmt":"2023-05-29T19:21:11","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=6564"},"modified":"2023-06-03T19:55:33","modified_gmt":"2023-06-03T19:55:33","slug":"what-is-a-mortgage-a-first-time-buyers-guide","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/what-is-a-mortgage-a-first-time-buyers-guide\/","title":{"rendered":"What is a mortgage? A first time buyer\u2019s guide"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Understanding how mortgages work can be overwhelming, particularly as various options are available. In this article, we will explain to help you navigate the process, particularly if you are a first-time buyer.<\/p>\n\n\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/what-is-a-mortgage-a-first-time-buyers-guide\/#What_are_mortgages\" >What are mortgages?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/what-is-a-mortgage-a-first-time-buyers-guide\/#How_long_do_mortgages_last\" >How long do mortgages last?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/what-is-a-mortgage-a-first-time-buyers-guide\/#Do_I_need_a_mortgage\" >Do I need a mortgage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/what-is-a-mortgage-a-first-time-buyers-guide\/#Can_I_get_a_mortgage\" >Can I get a mortgage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/what-is-a-mortgage-a-first-time-buyers-guide\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-what-are-mortgages\"><span class=\"ez-toc-section\" id=\"What_are_mortgages\"><\/span>What are mortgages?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A mortgage is a loan that helps you purchase a property and generally repay it over several years while living there. The mortgage typically begins with a special rate lasting two to five years. When this period ends, you will usually transition to the lender&#8217;s standard variable rate, generally higher than your initial rate. However, at this stage, you can remortgage to another special deal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you apply for a mortgage or any other loan, lenders must ensure you can repay the borrowed amount. This involves providing information about your income and expenses to verify that you can manage regular payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-do-mortgages-last\"><span class=\"ez-toc-section\" id=\"How_long_do_mortgages_last\"><\/span>How long do mortgages last?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most mortgages have a term of 25 years, but some lenders may offer longer terms based on your age and situation, up to 30 years or more. Alternatively, you could choose a shorter term, such as 15 or 10 years, if you can afford higher monthly payments and want to pay off your mortgage faster.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can choose a longer term for your mortgage to make it easier to manage payments. However, this means you&#8217;ll end up paying more interest overall. If you choose a shorter term, your monthly payments will be higher, but you&#8217;ll pay less interest overall and clear your mortgage faster. Consider your monthly budget carefully and compare costs for different term lengths to make the best choice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-i-need-a-mortgage\"><span class=\"ez-toc-section\" id=\"Do_I_need_a_mortgage\"><\/span>Do I need a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you don&#8217;t have a substantial amount of savings, it&#8217;s unlikely that you&#8217;ll be able to purchase a property without taking out a mortgage. The size of the mortgage you require will be determined by the amount of money you&#8217;ve saved for a down payment. Typically, you&#8217;ll need to save at least 5% of the property&#8217;s value, but the more you can save, the greater the range of mortgage options available.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-i-get-a-mortgage\"><span class=\"ez-toc-section\" id=\"Can_I_get_a_mortgage\"><\/span>Can I get a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your situation determines your eligibility for a mortgage. Lenders will check if you can pay the monthly fees and examine your debt history. Requesting a copy of your credit report before applying is recommended, so you can check your score. Closing unused credit accounts, paying off debts, and always making timely repayments can help improve your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle wp-block-ub-content-toggle-block\" id=\"ub-content-toggle-block-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" data-mobilecollapse=\"false\" data-desktopcollapse=\"true\" data-preventcollapse=\"false\" data-showonlyone=\"false\">\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-0-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">1. What is a first-time buyer?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-0-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">A person is generally classified as a first-time-buyer if they\u2019re buying their only or main residence, and have never owned a freehold or have a leasehold interest in a residential property in the UK or abroad\u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-1-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">2. What is a mortgage?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-1-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">A mortgage is a loan taken out to buy property or land. Most run for 25 years, but the term can be shorter or longer <sup>2<\/sup>.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-2-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">3. How much deposit do I need?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-2-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">You\u2019ll usually need to save at least 5% of the cost of the home you\u2019re buying as a deposit. For example, if you want to buy a home costing \u00a3200,000, you\u2019ll need to save at least \u00a310,000 (5%)\u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-3-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">4. What is stamp duty?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-3-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">Stamp Duty Land Tax (SDLT) is a tax on properties bought in England and Northern Ireland. You\u2019ll need to pay it if you buy a property: <\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-vivid-cyan-blue-color has-text-color\"><tbody><tr><th>Property value<\/th><th>SDLT rate<\/th><\/tr><tr><td>Up to \u00a3425,000<\/td><td>0%<\/td><\/tr><tr><td>The next \u00a3500,000 (the value between \u00a3425,001 to \u00a3925,000)<\/td><td>5%<\/td><\/tr><tr><td>The next \u00a3575,000 (the value between \u00a3925,001 to \u00a31.5 million)<\/td><td>10%<\/td><\/tr><tr><td>The remaining amount (the value above \u00a31.5 million)<\/td><td>12%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">First-time buyers pay no SDLT on purchases up to \u00a3425,000 and then pay 5% on the portion from \u00a3425,001 to \u00a3625,00. Use the government <a href=\"https:\/\/www.tax.service.gov.uk\/calculate-stamp-duty-land-tax\/\">SDLT\u00a0calculator<\/a>\u00a0for exact results. <\/figcaption><\/figure>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-4-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">5. What is conveyancing?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-4-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">Conveyancing is the legal process of transferring ownership of property from one person to another\u2074.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-5-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">6. What is gazumping?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-5-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">Gazumping is when someone makes an offer on a property that has already been accepted by another buyer\u00b3.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-6-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">7. What is Help to Buy?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-6-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">Help to Buy is a government scheme that helps first-time buyers get on the property ladder by offering an equity loan of up to 20% (40% in London) of the purchase price of a new-build home\u2075.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-7-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">8. What is shared ownership?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-7-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">Shared ownership allows you to buy a share of your home (between 25% and 75% of the home\u2019s value) and pay rent on the remaining share<sup>5<\/sup>.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-8-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">9. How much can I borrow?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-8-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">The amount you can borrow will depend on your income and outgoings, as well as your credit history\u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8; border-top-left-radius: 8px; border-top-right-radius: 8px; border-bottom-left-radius: 8px; border-bottom-right-radius: 8px; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-9-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\" style=\"color: #FFFFFF; \">10. How long does it take to buy a house?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-9-9e2d3820-3d2d-4b4e-94be-6f3eaf6c7a9d\">\n\n<p class=\"wp-block-paragraph\">The average time it takes to buy a house is around three months\u2074.<\/p>\n\n<\/div>\n\t\t<\/div>\n<\/div>\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">References:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li class=\"has-small-font-size\">First-time home buyer guide | MoneyHelper. <a href=\"https:\/\/www.moneyhelper.org.uk\/en\/homes\/buying-a-home\/first-time-buyer-money-tips\">https:\/\/www.moneyhelper.org.uk\/en\/homes\/buying-a-home\/first-time-buyer-money-tips<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">Buying your first home in 2022: five things to consider. <a href=\"https:\/\/www.which.co.uk\/news\/article\/buying-your-first-home-in-2022-five-things-to-consider-aCbOn3Y0lQop\">https:\/\/www.which.co.uk\/news\/article\/buying-your-first-home-in-2022-five-things-to-consider-aCbOn3Y0lQop<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">First-time buyer? A handy cheat sheet for the most common questions &#8230;. <a href=\"https:\/\/www.standard.co.uk\/homesandproperty\/buying-mortgages\/buying-a-home-common-questions-first-time-buyer-answers-b973621.html\">https:\/\/www.standard.co.uk\/homesandproperty\/buying-mortgages\/buying-a-home-common-questions-first-time-buyer-answers-b973621.html<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">UK first-time buyer schemes: Everything you need to know. <a href=\"https:\/\/www.homeviews.com\/blog\/uk-first-time-buyer-schemes-everything-you-need-to-know\">https:\/\/www.homeviews.com\/blog\/uk-first-time-buyer-schemes-everything-you-need-to-know<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">First-time buyers | Money | The Guardian. <a href=\"https:\/\/www.theguardian.com\/money\/firsttimebuyers\">https:\/\/www.theguardian.com\/money\/firsttimebuyers<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"Understanding how mortgages work can be overwhelming, particularly as various options are available. 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