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Buying Your First Home in the UK
Buying Your First Home in the UK
A simple step-by-step guide to help you understand the full process from start to finish.
Get Mortgage HelpClear advice. No jargon. Full support.
Everything you need to know about buying your first home in one simple guide.
Steps to buy a house in the UK
- Save deposit
- Get Agreement in Principle
- Find property
- Make offer
- Mortgage application
- Solicitor + surveys
- Exchange contracts
- Completion
How long does it take?
Usually 8–16 weeks depending on chain and legal work.
What happens after offer accepted?
Mortgage application, solicitor work, surveys, searches, then exchange and completion.
Can I buy with a 5% deposit?
Yes — many lenders offer 95% mortgages for first-time buyers.
Ready to get started?
Speak to a mortgage expert today and explore your options.
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Frequently Asked Questions
Most first-time buyers need at least a 5% deposit. A 10–20% deposit can give you access to better mortgage rates and more lender options.
On average it takes 8–16 weeks from offer to completion, depending on the property chain, solicitor speed, and lender processing times.
An Agreement in Principle is a lender’s initial decision showing how much you may be able to borrow based on basic financial information.
Yes, some lenders specialise in adverse credit mortgages. Your approval depends on your credit history, affordability, and recent financial behaviour.
You should budget for your deposit, solicitor fees, surveys, stamp duty (if applicable), and moving costs.