First-Time Buyer Intelligence Hub
Get On The Property Ladder With a 5% Deposit
Stop paying your landlord’s mortgage. Match your salary to 95% mortgage pre-approval, claim £0 Stamp Duty relief, and find UK homes where owning costs less than renting.
Interactive Pre-Approval Engine
2026 First Home Guide What Can I Afford On My Salary?
£38,000
£20,000 (Min)£120,000 (Max)
Quick benchmarks:
£8,000
£3,000 (Min)£50,000 (Max)
Quick benchmarks:
Government Lifetime ISA (LISA) Bonus
Saving for your deposit in a LISA gives you an instant 25% Government top-up (up to £1,000 free cash each tax year).
Estimated Pre-Approval Capacity4.5× Income Standard
Maximum Purchase Price
£179,000
Based on £171,000 max mortgage loan + £8,000 cash deposit.
5% Deposit Required£8,950
FTB Stamp Duty£0 (£0 Relief)
30yr Repayment (5%)£918/mo
Deposit ReadinessNeed £950 More
Qualifying First Homes (0)
Page 1 of 1Matching First Homes...
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The Stepping Stone Strategy
Read Master Guide How to Turn Your First Home Into An Investment in 3 Years
Read our step-by-step master framework for first-time buyers: buying with a 5% deposit, building initial equity, and converting your first home into a rental property via Let-to-Buy.
UK Finance PartnerBTL • Remortgage • Auction Bridging
Need a 20% deposit Buy-to-Let mortgage, equity release remortgage, or 28-day auction bridging facility?