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Who qualifies as a first-time buyer?
A first time buyer is classifed as one if you – and anyone you maybe buying with – are buying your first residential property.
If you’ve owned a house or flat before you’re unlikely to be eligible for many of the schemes designed to help first time buyers on to the property ladder.
This is true whether you owned an entire property or a share in one, for example as a joint tenant or under a shared ownership scheme. Different schemes will vary in their rules and criteria so read any small print first before applying
When should I apply for a mortgage?
When you’re ready to start viewing properties we can arrange an agreement in principle from one or more lenders.
We will give you a good idea of how much you can borrow. Many Estate agents will want to see this to ensure you are a qualified buyer.
An agreement in principle is generally valid for between 30 and 90 days and is an estimate rather than a guaranteed mortgage offer.