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Ensure you have a large enough deposit

Handing over the money

With the new tougher mortgage rules and the rising cost of housing, the size of your deposit may become an issue. It might mean you can’t afford the right home or that you end up paying a higher interest rate because the loan-to-value (how much mortgage you have in relation to how much your property is worth) is high.

Remember ,when you buy a new-build you can apply for a Help to Buy Equity Loan. With Help to Buy, the government provides you with an equity loan of up to 20% of the cost of the property (40% in London, 15% in Scotland). There are no loan fees on the equity loan for the first 5 years, giving you time to find your feet. You therefore only require a 5% deposit, and a 75% mortgage (55% in London, 80% in Scotland).