Buying a House

Understand the Process, Costs, and Choices That Shape Your New Home.

Mortgages

Understand the different mortgage types and find the right option for your new home.

Getting the right mortgage is essential for a smooth home‑buying journey. Whether you’re a first‑time buyer, moving home or using Shared Ownership, understanding how mortgages work will help you choose the best product for your finances. Explore the main mortgage types, how affordability is assessed, and what lenders look for when offering a loan — so you feel confident and prepared when it’s time to buy.

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Stamp Duty

Learn how Stamp Duty works and what it means for your home‑buying budget.

Stamp Duty Land Tax (SDLT) can be one of the highest additional costs when buying a home, but understanding how the rates work helps you plan ahead. Discover what Stamp Duty is, how much you might need to pay based on the property price, and when the tax is due. With the right information, you’ll avoid any unexpected costs and know exactly how much you need to buy your new home.

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Household Bills

Get to know the household bills you’ll need to budget for once you move in.

Owning a home means planning for ongoing monthly costs. From council tax, broadband and energy bills to water, insurance and even smaller expenses like cleaning, gardening or home security, understanding these costs helps you set a realistic monthly budget. Explore the types of bills you’ll need to factor in so you can manage your new home comfortably and confidently.

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Deposits

Find out how much deposit you need and how to start saving for your new home.

When buying a property with a mortgage, you’ll typically need a house deposit, usually starting from 5% of the purchase price. Whether you’re buying outright or through Shared Ownership, saving for a deposit is an important first step. Learn how deposits work, how much you may need, and discover practical saving tips to help you reach your goal sooner.

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Useful FAQs

We know buying a house can be a stressful experience that raises lots and lots of questions, which is why we've created our useful FAQs.

From answering questions on mortgages and stamp duty fees to queries regarding buying schemes and moving day, our useful FAQs are here to help answer your questions and put your mind at rest.

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