First Time Buyer guides

Buying your first home is an exciting step, but it can sometimes feel overwhelming. That’s why we’ve put together a range of first-time buyer guides that cover working out what you can afford, finding the right mortgage, navigating the buying process and everything in between. Learn everything you need to know today.

Categories

How much will your mortgage cost?

Find out how much your mortgage could cost, including key factors like deposit, interest rates, and repayments. Speak to an expert adviser and get fee free mortgage advice from L&C

First Time Buyer

What is own new rate reducer?

Find out how the Own New Rate Reducer scheme works and if it could help you get on the property ladder

First Time Buyer

Moving Home

What is a mortgage? – A First Time Buyers Guide

Taking out a mortgage for the first time can be daunting, especially with so many different deals to choose from.

First Time Buyer

What is APRC?

APRC stands for Annual Percentage Rate of Charge. APRC tells you how much your mortgage will cost you each year, assuming you kept it for its full term.

Buy To Let

First Time Buyer

Moving Home

Remortgage

What is an Energy Performance Certificate?

EPCs were introduced in 2007 and are valid for 10 years from the date of issue. You’re legally required to have one if you’re planning to sell your home or let out a property. Here, we explain exactly how they work, and how to go about getting one. What is an EPC rating and what does it mean? Properties are rated

Buy To Let

First Time Buyer

Moving Home

Who’s who when buying a home?

If you’re new to the home buying process, you may be confused about who does what. This helpful guide makes it clear who does what in the buying process.

First Time Buyer

Moving Home

Buying a property with a gifted deposit - how does the conveyancing process work?

If you're planning on buying your first home using a gifted deposit from family or friends then read our guide to find out more about the legal process

First Time Buyer

Moving Home

Buying a property - how does the conveyancing process work?

Conveyancing is an essential part of buying a property, so it's really important to understand the process. You can read more in our guide.

Buy To Let

First Time Buyer

Moving Home

Buying a leasehold property - how does the conveyancing process work?

If you're buying a leasehold property your conveyaning will need to go through a few extra steps. Read more about the legal process in our guide.

First Time Buyer

Moving Home

How long does it take to get a mortgage?

L&C explains how long a mortgage application takes, how long you can expect to wait for yours and what you can do to speed up the process.

Buy To Let

First Time Buyer

Moving Home

Remortgage

The cost of buying a house

Use this mortgage guide to find out about the costs of buying a house.

Conveyancing

First Time Buyer

House Prices

Moving Home

Stamp Duty

Japanese Knotweed: What is it and will it affect your mortgage?

Japanese knotweed, the invasive plant that often plagues our gardens, can be a major headache for anyone buying or selling a property, but there is help available if you know where to look.

Buy To Let

First Time Buyer

Moving Home

Remortgage

What is a tracker mortgage?

Is a tracker mortgage the right option for you? Find out everything you need to know about tracker mortgages here.

Buy To Let

Fixed Rate

First Time Buyer

Moving Home

Remortgage

What does a mortgage broker do?

Use this mortgage guide to find out what mortgage brokers like L&C do, from mortgage advice to brokering your mortgage.

Fixed Rate

First Time Buyer

Variable rate mortgage and how do they work?

Looking to learn more about variable rate mortgages? We’ve created a guide that looks at the different options available and their pros and cons.

Fixed Rate

First Time Buyer

Remortgage

What are the different types of survey?

Use this mortgage guide to find out about the different types of survey there are available.

First Time Buyer

What is a fixed rate mortgage?

Looking to see if a fixed rate mortgage is right for you? Here we discuss the options available as well as the benefits and drawbacks of fixed rate mortgages

Buy To Let

Fixed Rate

First Time Buyer

Moving Home

Remortgage

What are solicitors searches when buying a house?

Solicitor property searches are an important stage of the mortgage process. This guide will help you understand how conveyancing works.

Conveyancing

First Time Buyer

Moving Home

What credit score is needed to buy a house?

Your credit score is taken into account when taking out a mortgage, but there are other factors at play too. Find out more about credit scores & mortgages.

First Time Buyer

How to prepare for a new mortgage application

Preparing your paperwork in advance will help speed up the process of your mortgage application. This guide will take you through all the necessary steps to help get you organised.

First Time Buyer

Moving Home

How much deposit do I need to buy a house?

Use this mortgage guide to find out all about deposits, including how much you're likely to have to save for a mortgage.

Conveyancing

First Time Buyer

Moving Home

Stamp Duty

Tax

Joint mortgages – How do they work?

Find out everything you need to know about joint mortgages, including taking out a joint mortgage with your parents or friends, how much you can borrow and what happens in the event of separation.

First Time Buyer

Moving Home

Remortgage

Stamp Duty

Mortgage Broker Fees

L&C is a fee free mortgage broker, meaning we’re paid by the lender and not by you. However, some brokers do charge. Our guide explains more.

Buy To Let

First Time Buyer

Moving Home

Remortgage

How mortgages work - A step by step guide

New to the world of mortgages? There's a lot to learn in a short space of time. Use this guide to help you understand the basics of how mortgages work.

First Time Buyer

Moving Home

What are the different types of mortgage?

Use this mortgage guide to find out about the different types of mortgages there are available.

Buy To Let

Fixed Rate

First Time Buyer

Product Types

Remortgage

Check your mortgage options

See the deals you qualify for & how much you could borrow

Get started online

Categories

How much will your mortgage cost?

What is own new rate reducer?

What is a mortgage? – A First Time Buyers Guide

What is APRC?

What is an Energy Performance Certificate?

Who’s who when buying a home?

Buying a property with a gifted deposit - how does the conveyancing process work?

Buying a property - how does the conveyancing process work?

Buying a leasehold property - how does the conveyancing process work?

How long does it take to get a mortgage?

The cost of buying a house

Japanese Knotweed: What is it and will it affect your mortgage?

What is a tracker mortgage?

What does a mortgage broker do?

Variable rate mortgage and how do they work?

What are the different types of survey?

What is a fixed rate mortgage?

What are solicitors searches when buying a house?

What credit score is needed to buy a house?

How to prepare for a new mortgage application

How much deposit do I need to buy a house?

Joint mortgages – How do they work?

Mortgage Broker Fees

How mortgages work - A step by step guide

What are the different types of mortgage?

Check your mortgage options

Which best describes you?