First Time Buyers
Our range of propositions allows you to help a wide range of clients get onto the property ladder. We're right here for first time buyers.
First Time Buyers
We understand the challenges faced by first time buyers. That’s why our propositions have been designed to help your clients get onto the property ladder, and make the journey as smooth as possible.
Joint Borrower Sole Proprietor (First Start)
Boost your clients’ borrowing power with our Joint Borrower Sole
Proprietor solution.
- Ideal for those first time buyer clients who need to use the income of a sponsor (parent or close relative) to increase their overall borrowing power
- Without needing the sponsor to be a joint owner of the property.
With more borrowing power comes more choice, empowering your first time buyer clients to maximise their buying potential and get the property they really want.
Find out more about Joint Borrower Sole Proprietor (First Start).
New Builds
We understand that first time buyers face unique challenges when purchasing a New Build property. These types of mortgages have a specialist set of requirements. So we deliver what you need, when you need it.
Support your first time buyer clients with a New Build mortgage that can:
- Accommodate builder incentives up to 5% of the purchase price
- Give you the freedom to choose from all of our new business products for clients buying New Build properties.
New Build mortgages need extra care and attention. We help make the complex simple. Our dedicated team can help you assist your first time buyer clients to navigate the New Build mortgage process with ease.
Find out more about our New Build service.
Higher LTV
Make homeownership accessible for first time buyer clients with higher Loan to Value (LTV) options.
- We offer up to 95% LTV, giving first time buyers with smaller deposits the opportunity to get on the property ladder
- Products with cashback options and Standard Valuation Fees paid by us are available.
Open doors for more first time buyer clients with high LTV mortgages designed to make homeownership possible, supported by our experienced team and great service.
Browse our Higher LTV Products today.
Bespoke for First Time Buyers
Did you know our Bespoke service can help your first time buyer clients?
Bespoke is our personalised and flexible service for good quality complex cases. It can support your clients who have good affordability, but don’t fit straightforward lending criteria.
Bespoke can help with specific first time buyer professions where income may not meet standard lending criteria, for example:
- Recently self employed dentists
- Doctors/GPs that have recently become partners in a practice
- Professional applicants, such as newly qualified barristers.
Find out more about our Bespoke service.