We understand that every first-time buyer’s circumstances are different, which is why our experienced team takes a flexible, case-by-case approach to supporting brokers and their clients.
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At a glance
- First time buyers
- Up to 90% LTV nationwide
- Up to 95% LTV in Heartland area
- Gifted deposit accepted (from family member)
- First Time Buyer Buy To Let considered
- Nationwide lending
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Eligible applicants
Applications may be considered where the applicant:
- Is eligible for lending nationwide
- Requires a maximum LTV of 90% nationally or 95% within the Heartland area
- Has a gifted deposit from a family member
- Is applying under a Joint Borrower Sole Proprietor arrangement
- Is a First Time Buyer purchasing a Buy To Let property
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We are unable to consider
Applications will not be considered where the applicant:
- Has previously owned a property or held a mortgage
- Requires borrowing above 90% LTV
- Is a foreign national without Settled Status, Indefinite Leave to Remain, or an acceptable Visa (please contact us to discuss)
- Has credit impairment outside our lending criteria (please contact us to discuss)