Lenders look at more than just your income. They consider:

• Your salary or self‑employed income

• Your regular outgoings

• Any loans or credit commitments

• Your credit history

• How you manage your money day‑to‑day

• Their own “stress tests” to check you can afford payments if rates rise

Most lenders offer around 4 to 4.5 times your income, but this varies depending on your situation.

We’ll help you understand exactly what’s possible — and how to improve your affordability if needed.

The minimum deposit for most first‑time buyers is 5% (a 95% mortgage). But if you can save 10% or more, you’ll usually get access to better interest rates.

Typical deposit options:

• 5% deposit – minimum required

• 10% deposit – better rates

• 15–20% deposit – even stronger options

Don’t worry if your deposit isn’t huge — we’ll help you explore every route available.

There are several schemes designed to help first‑time buyers get onto the property ladder sooner. These may include:

• Shared Ownership

• First Homes Scheme

• Deposit Unlock

• Lifetime ISA (LISA)

• Joint Borrower Sole Proprietor (JBSP)

• Family‑assisted mortgages

We’ll explain each option in plain English and help you understand which ones you’re eligible for.

1. Check your affordability

We help you understand how much you can borrow and what your monthly payments might look like.

2. Save your deposit

Whether it’s 5% or more, we’ll help you plan realistically.

3. Get a Decision in Principle (DIP)

This shows estate agents you’re serious and gives you a clear budget.

4. Start your property search

View homes, ask questions, and get a feel for what’s right for you.

5. Make an offer

We’ll guide you through the process and what to expect.

6. Apply for your mortgage

We handle the paperwork, the lender, and the details.

7. Legal checks & surveys

Your solicitor and surveyor make sure everything is safe and sound.

8. Completion & moving in

The best bit — getting your keys and starting your new chapter.