Are you a first time buyer with little or no deposit? With prices continuing to rise does it seem impossible to make that first move? We will explain in plain English the buying process, the potential pitfalls, any schemes in detail and all of the jargon' used when buying a house or flat.

100% mortgages
There is still a wide choice of 100% mortgages, with some lenders able to lend more than this!

Shared Equity mortgages
Many Housing Associations will sell a percentage of a house to you (normally 50%). You therefore buy half with a mortgage and rent the other half from them. You will generally have an option to purchase the remaining share from them at some point in the future

Guarantors
A number of lenders still offer the guarantor route to first time buyers. Your level of borrowing is based on the guarantors' income and assets, therefore allowing a potentially higher level of borrowing. Your budgeting then becomes very important.