There are several schemes available to help you get on the property ladder:

Mortgage Guarantee Scheme: Enables you to secure a mortgage with just a 5% deposit.

Lifetime ISAs (LISAs): Save towards your deposit with a 25% government bonus.

Right to Buy: Buy your council home at a discounted rate.

Joint Mortgages: Boost your borrowing capacity by applying with a family member.

First Homes Scheme: Purchase a new-build property at a reduced market price.

Our team will guide you through these options and help you make the most of the available opportunities. A first-time buyer is someone who has never owned property before, either in the UK or abroad. At *A Mortgage Shop*, we specialize in helping first-time buyers navigate the mortgage process and take advantage of available benefits, such as Stamp Duty relief.

First-time buyers can avoid Stamp Duty on properties depending on purchase price, which can significantly reduce the upfront costs of purchasing a home. Our advisors will guide you through the process, ensuring you understand every step and secure the best mortgage deal for your circumstances.

**First-Time Buyer Benefits:**

– **Stamp Duty Relief**: Save thousands on your property purchase.

– **Expert Guidance**: We help you understand the mortgage process from start to finish.

– **Access to Exclusive Deals**: Benefit from mortgage products tailored to first-time buyers.