{"id":1079,"date":"2024-05-07T16:10:54","date_gmt":"2024-05-07T15:10:54","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=1079"},"modified":"2026-04-08T14:49:25","modified_gmt":"2026-04-08T13:49:25","slug":"first-time-buyers","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/","title":{"rendered":"First-time buyers"},"content":{"rendered":"<nav class=\"c-sub-nav my-5\" id=\"\">\n    <div class=\"c-sub-nav__list js-sub-nav-parent owl-carousel\">\n        <div class=\"c-sub-nav__item c-sub-nav__item--active\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/\" class=\"c-sub-nav__item__link\">First-time buyers<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/\" class=\"c-sub-nav__item__link\">Understanding your finances<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/\" class=\"c-sub-nav__item__link\">How to get a mortgage<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/\" class=\"c-sub-nav__item__link\">Types of mortgages<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/\" class=\"c-sub-nav__item__link\">Mortgage rates<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/\" class=\"c-sub-nav__item__link\">Remortgage<\/a><\/div>    <\/div>\n    <div class=\"c-sub-nav__controls js-sub-nav-controls\">\n    <\/div>\n\n    <template class=\"js-sub-nav-control-prev\">\n        <span class=\"visually-hidden\">Scroll left<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-left\"><use xlink:href=\"#icon-chevron-line-left\"><\/use><\/svg>    <\/template>\n    <template class=\"js-sub-nav-control-next\">\n        <span class=\"visually-hidden\">Scroll right<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg>    <\/template>\n<\/nav>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Buying a property: working out what you can afford    <\/div>\n    <div class=\"c-card__content\">\n        <p>Consider the assets you have \u2013 like savings, which you might be able to use for your deposit \u2013 as well as your income and spending.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 3 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Getting-your-MIP-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Getting a Mortgage in Principle    <\/div>\n    <div class=\"c-card__content\">\n        <p>A Mortgage in Principle is specific to you and, together with your deposit, it can give you an indication of the property price range you can search within. So you can search for your new home with confidence.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Understanding-the-types-of-mortgages-new-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Understanding the different types of mortgages    <\/div>\n    <div class=\"c-card__content\">\n        <p>From fixed-rate to tracker mortgages, it\u2019s good to know what the different types of mortgages are, so you can feel fully prepared for a conversation with a mortgage lender or a broker.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Use our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Understand your affordability<\/li>\n<li>See your monthly repayments<\/li>\n<li>Check how much you could borrow<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/submitting-mortgage-application\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Submitting-your-application-resized-1024x540.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Submitting your mortgage application    <\/div>\n    <div class=\"c-card__content\">\n        <p>When you&#8217;ve submitted your application, you&#8217;ll then hear back from the lender &#8211; and it&#8217;s time to find a solicitor or conveyancing firm.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/what-is-a-mortgage-term\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-are-mortgage-terms-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What is a mortgage term and how do they work?    <\/div>\n    <div class=\"c-card__content\">\n        <p>When you\u2019re applying for a mortgage, one of the first things you\u2019ll need to consider is the mortgage term. This refers to the number of years it will take to repay your loan, as well as the interest.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Find out how much you can borrow<\/li>\n<li>You could get property viewings faster<\/li>\n<li>Your credit rating won\u2019t be affected<\/li>\n<li>You\u2019ll be 1 step closer to a mortgage offer<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n<div class=\"c-spotlight\" id=\"\">\n    <div class=\"c-spotlight__header\">\n                <div class=\"c-spotlight__legend\">Spotlight Guides<\/div>\n                <h2 id=\"getting-a-mortgage\" class=\"c-spotlight__title\">GETTING A MORTGAGE<\/h2>\n                <div class=\"c-spotlight__action\">\n            <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/\"\n               target=\"_self\"\n               class=\"c-spotlight__cta\">\n                <span class=\"visually-hidden\">Read more about: <\/span>\n                <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>            <\/a>\n        <\/div>\n            <\/div>\n\n        <div class=\"c-spotlight__body\">\n        <div class=\"row g-3\">\n            <div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/How-much-can-I-borrow-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How much can I borrow?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/7-steps-to-getting-a-mortgage\/\" target=\"_blank\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/7-steps-to-getting-a-mortgageResized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        7 steps to getting a mortgage    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/How-do-lenders-use-your-credit-score-resized-1024x681.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How do lenders use your credit score?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>        <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1121,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-1079","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>First-time buyers - Rightmove<\/title>\n<meta name=\"description\" content=\"Buying your first home? 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