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 has been announced so far
The Government has announced a proposed England-only equity-loan scheme for some first-time buyers purchasing a participating developer's new build. It is expected to support a 2.5% deposit alongside a 20% government-backed equity loan.
Important: applications are not open and the final eligibility rules, price caps, costs and start date are still due at the Budget.
Read the full factual updateAt a glance
What has been announced
England, first-time buyers, participating new builds, an expected 2.5% deposit and a 20% government-backed equity loan.
Still to be confirmed
Eligibility, local price caps, costs, developer participation and when applications can start.
Checked against the Government announcement on 28 September 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.
