With UK property prices having increased rapidly over the last few years many first time buyers are finding that they are being "priced out of the market". This situation has been exacerbated by the fact that incomes have not increased at anywhere near the same pace and working patterns have changed significantly.

For many potential first time buyers the possibility of getting on the property ladder is more realistic than they realise. Lenders are becoming more innovative, and with as little as a 10% deposit mortgages are available to first time buyers on a self certified basis. This means that if you have been turned down before, or feel that your earnings will not be acceptable under traditional lending criteria you may be able to secure a mortgage on a self certified loan. If you are self employed without 3 years full accounts, or employed with variable income please speak to one of our qualified advisers to see if we can help you to take the first step towards securing a home, with as little as 5% deposit.