Hello and welcome to this months advice column where I want to explain an exciting development in the mortgage world in the last month which may help first time buyers finally get themselves on the property ladder without having to break the bank to do so.
A lot of first time buyers we speak to have some sort of savings put away but are having to save for a long time, others are lucky enough to get a gift from family to help.Get all the news from your area – as well as features, entertainment, sport and the latest on Lanarkshire’s recovery from the coronavirus pandemic – straight to your fingertips, 24/7.
For joint applications, only one person must be a first time buyer. Here’s an example of a typical mortgage with this product: There are still hundreds of 95 per cent mortgage products widely available for those with a five per cent deposit.
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