Mortgage & Property Advice Centre for First Time Home Buyers

First Time Buyers Mortgages

Graduate Mortgages

How do Graduate Mortgages or Mortgages for Graduates Work?

As well as being able to borrow up to over the full value of the property, your income multiples are boosted. How much by will depend on factors such as your outstanding debt and credit score.


Advantages of Graduate Mortgages

Not having to find a deposit – and having 2% extra – will be a welcome feature after the costs of going to university.

As the deal applies to graduates up to 35 years old, you will have plenty of time.


Disadvantages of Graduate Mortgages

Graduates rarely start off on a higher salary. They can also have a lot of debt, so you could struggle to make your repayments in the early years – especially having borrowed more than 100%.


Graduate Mortgages Mortgage Advice

Request graduate mortgages mortgage advice and find out which mortgage is really the best one for you.

Features, advantages and disavantages of specific first time buyer mortgages:

100% Mortgages l Cashback Mortgages l Graduate Mortgages l Professional Mortgages l Mortgages with Parents l Guarantor Mortgages l Family Offset Mortgages l Mortgages with Friends or Family l Mortgages at University l Rent a Room Mortgages l Affordable Mortgages l Interest only Mortgages l Part Repayment Part Interest Mortgages l Interest-free Start Mortgages l Shared Ownership Mortgages l Poor, Adverse or Poor Credit Mortgages l Key Worker Mortgages l Shared Equity Mortgages l 30, 35, 40 Year Term Mortgages


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Is owning your own home still the be-all and end-a

Is it better to own your home rather than to rent?

yes
no

Is buying your first home more about making money than investing in your long term future?

yes
no

Do you worry about buying your first home and its value dropping?

yes
no

Could the government do more to help first time buyers?

yes
no

Do you think you are doing everything you can to get a decent deposit together?

yes
no, I could do more

Is it likely when you come to buy, that your parents will be helping you with the deposit or your mortgage?

yes
no, not at all