Your Journey to Home Ownership
Buying your first home can feel overwhelming. We've broken it down into simple, manageable steps so you know exactly what to expect.
Saving Your Deposit
The first big hurdle. You'll typically need at least 5% of the property's value. Don't forget to budget for other costs like solicitor fees and moving expenses.
How much can I borrow?Check Your Credit Score
Lenders will look at your credit history to decide if they can lend to you. Check your file early to fix any errors or improve your score before applying.
Check your credit score freeGet an Agreement in Principle
This is a certificate from a lender stating how much they're likely to lend you. It proves to estate agents that you're a serious buyer.
Get an AIP in minutesFind Your Dream Home
The fun part! Start viewing properties within your budget. When you find 'the one', make an offer. Having an AIP ready gives you a huge advantage here.
Full Mortgage Application
Once your offer is accepted, we'll submit your full application to the lender. They'll check your documents and value the property.
Book a chat with RobConveyancing & Legal Work
Your solicitor handles the legal side—searches, contracts, and transferring funds. We'll chase them for you to keep things moving.
Exchange of Contracts
The point of no return! You sign the contract, pay your deposit, and agree on a completion date. The house is legally yours.
Completion & Keys
The big day! The money is transferred, and you pick up the keys to your new home. Time to celebrate!
Start your journey todayYour First Home: what Budget 2026 means
Budget 2026 confirmed an England-only scheme for some first-time buyers purchasing a participating new build, with a 20% equity loan and a 2.5% minimum deposit. Pre-registration is expected by the end of December 2026, with full applications from February 2027.
Important: this does not guarantee a mortgage or eligibility. Income caps, local property-price caps, lender and developer participation still apply, and the formal delivery arrangements need to be in place.
Read the full factual update
At a glance
Budget 2026 confirmed
A 20% equity loan, 2.5% minimum deposit, five-year interest-free period and income caps of £110,000 outside London and £140,000 in London.
What to check
The local-authority price cap, participating developers and lenders, annual funding availability and the formal scheme rules.
Checked against HM Treasury Budget 2026 on 28 October 2026.
Ready to take the first step?
You don't have to do this alone. I'm here to guide you through every single step of this roadmap, from your first question to your moving day.
