Mortgages

First-Time Buyer Mortgages

Helping you take your first step onto the property ladder

Couple in front of one-family house in modern residential area

Start your journey to your first home

Your first mortgage is one of the biggest commitments you will ever make, and many first-time buyers find the process daunting, but it doesn’t have to be.

At Jordan Lynch, we have a specialist team of First Time Buyer advisors that are here to help you every step of the way. Not only will we advise you on the best mortgage available from the whole market, we also guide you through the whole house buying process. We will liaise with all professional parties including, estate agent, lender and solicitor so that the process runs as smooth and as stress free as possible.

We’ve answered the questions you might have

How much deposit do I need?

How much can I borrow?

How much will my monthly payments be?

What is Stamp Duty and how much will I pay?

How do I apply for a mortgage?

What other costs are involved with buying a home?

Stamp Duty

BandNormal rateAdditional Property
less than £125k0%3%
£125k to 250k2%5%
£250k to 925k5%8%
£925k to £1.5m10%13%
rest over £1.5m12%15%

* An additional property purchased for less than £40k will attract 0% tax. For purchases from £40k to £125k the rate will be 3% on full purchase price.

Deposit

Mortgage application and product fees

Valuation fee

Optional Homebuyer’s Report or Full Structural Survey

Legal fees

Moving costs

Building and contents insurance

Find out more

What our clients think

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