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First Time Buyer

Buying your first home is an exciting prospect, but we understand it’s a scary one too. That’s why we like to make the mortgage part as simple as possible for the first-time buyers we work with.

  • No question is silly
  • Support for the entire journey
Get started online
01225 970 830

Helping you navigate the path to your first home

From the moment you start wondering how much you can spend on your new home, until you arrive at the front door with the keys in your hand…

When you’re a first-time buyer, purchasing a property can feel overwhelming. There are too many acronyms, too many questions and too many documents to read, sign and understand. At Lucra Mortgages, our patient team is here to support you every step of the way, in any way you need. So, if you have questions about what buying a property entails or you want to know what to do first? Ask away, we’ll be only too happy to answer.

Whether you have made an offer on a new property, or you’re just starting to wonder how much you might be able to borrow, get in touch and we can advise you based on your circumstances and answer any questions you have.

Do I need a decision in principle?

In short, yes, if you want to be taken seriously by estate agents.

Don’t panic though! We can very quickly work out what you will be able to borrow, what rates you’re eligible for, and what your anticipated monthly repayments will look like, without having to run any credit checks against you. Then we can provide you with a Decision In Principle certificate so you know what you can afford, and can start to budget towards securing your new home.

Estate agents will often request to see your Decision In Principle certificate before accepting an offer. Some even insist on seeing it before allowing you to view a property in the first place. So yes, if you’re serious about checking out some new pads, this should be your first step.

Get in touch today and we can help set you on your way to securing your first home!

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £549.

We make it easy for you

Get started online or speak to our team

Complete our form or give us a call. Everyone’s needs are different so we’ll gather all the info we need to help make your application as smooth as possible.

We search the market to find the right deal for you

We have access to hundreds of deals. Our team will search the market and give you options that best suit your needs and save you money.

We support you through the whole process

Buying a property is rarely straightforward, so our expert team will be there to guide you all the way through the process from offer to completion.

Ready to get started?

Complete the online form or talk to one of our team today

Get started online

First Time Buyer Mortgages:
Everything you need to know

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A good credit score says to a lender that you are trustworthy, you can manage your finances in a responsible way, and that ultimately there is a good chance you will pay back what you owe them as agreed.

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Getting you on the property ladder – 30% discount with the First Homes scheme

Are you a first-time buyer or key worker living and working in England? If so, you could be eligible for a 30% discount on house prices via the government’s First Homes scheme.

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What’s the best way to save for your first home?

Getting your finances in order to save for a large house deposit, not to mention proving you’ll be able to make mortgage repayments, can feel considerably more overwhelming.

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How much can I borrow calculator

Our mortgage borrowing calculator will provide you with an approximation of how much you’re likely to be able to borrow. Mortgage affordability is subject to lots of different things, such as your credit history, monthly outgoings and deposit, and it can also vary from lender to lender.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £549.

Thousands of happy customers

Incredible
I could not fault Lucra mortgages they have been incredible from start to finish! Every…
William Cooksey, December 4, 2022
Highly Recommend
I had an excellent experience using this mortgage broking team. They complete understood my needs…
Kate Nairn, December 2, 2022
Super-star
Darren at Lucra has been an absolute super-star in his work for my wife and…
Leo Fabbri, November 29, 2022
Awesome
Darren was awesome! Got us the best mortgage possible after no time at all, kept…
Jamie Smith, November 23, 2022
Super Helpful
Darren was super helpful, clear and concise with the whole help to buy and mortgage…
Craig Roberts, November 8, 2022
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