first time buyer

buying your first home: trust us with finding the right mortgage...

your home may be repossessed if you do not keep up repayments on your mortgage

how to get a mortgage:

a helping hand from signature mortgages and protection can unlock the door to future happiness.

Buying your first home is something you want to get right. It’s is one of the most important and certainly most expensive purchases you’ll ever make.

Being a first-time buyer, the mortgage process can feel overwhelming, but don’t worry, our team are here for the long run, helping you understand the process every step of the way.

We have access to a wide choice of specialist lenders and high street banks, which means we’ll be able to find the perfect package for you no matter what your needs. We’ll work hard to do what’s best for you. If you’re happy, we’re happy!

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cash back incentives:

getting a little something in return can often help in a big way.

Buying your first home is expensive, with solicitor fees to pay, along with buying furniture, soft furnishing and even pots and pans, cashback mortgages are designed to help you out. This is a type of mortgage that rewards you with a sum of cash when you take out a mortgage, the amount that you receive might be a proportion of the amount you end up borrowing or a fixed rate that you’ll receive on completion!

stamp duty:

an extra cost, but you might be entitled to a discount!

When you’re sat doing your calculations, working out everything you’ll need to pay for, it’s important to not forget stamp duty. This is a tax you have to pay when buying your new home, and the amount that you have to pay all depends on the price of the property and where you live in the UK.

There’s good news though! If you’re a first-time buyer and live in England or Northern Ireland, you can claim a discount (Relief) meaning that no Stamp Duty is payable when you are purchasing a home up to the value of £250,000. You’re eligible if you and anyone else you’re buying with are first-time buyers.

get in touch:

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Registered in England and Wales

    Signature Mortgages and Protection Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.

    The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

    Registered office address – Lake View Festival Way, Festival Park, Stoke-on-Trent, Staffordshire, England, ST1 5BJ

    Registration number – 07041169

    Latest news and insights

    • 27 February 2025

      Understanding The Upcoming Changes to Residential Stamp Duty – April 2025

      Stamp Duty Land Tax (SDLT) is a tax applied to residential property purchases in England and Northern Ireland. The amount you owe depends on several factors, including the date of purchase, the price of the property, and whether you qualify for any exemptions or reliefs. With upcoming changes taking...
    • 26 February 2025

      Rising Inflation Hits 3% – What Does It Mean for Interest Rates and Mortgages?

      The latest inflation data has thrown a curveball at expectations for interest rate cuts in 2025. Annual CPI inflation rose from 2.5% in December to 3% in January, surpassing economists’ forecasts of 2.8%. This marks a significant increase from the 1.7% recorded in September, raising concerns about...
    • 26 February 2025

      95% LTV Mortgage Deals Reach Highest Level in Nearly Five Years

      Great news for homebuyers with a smaller deposit—the number of 95% loan-to-value (LTV) mortgage deals has reached its highest level since March 2020, according to the latest data from Moneyfacts. There are now 388 mortgage products available at this tier, showing increased lender confidence in the...

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