First Time Buyer

  • The amount of deposit you have
  • How much you’d like to borrow
  • Your income
  • Your outgoings and credit commitments
  • Whether you need to make home improvements
  • Under £300,000 – you won’t need to pay SDLT if you’re a first time buyer
  • Between £300,001 and £500,000 – you’ll have to pay 5% on every pound over £300,000
  • £500,000 – Normal rates of SLDT apply

Proof of ID

Proof of address for the last 3 years

A Conveyancer is a Solicitor who deals with property transactions.