Agentis Financial and Mortgage Solutions is a trading style of Agentis Financial and Mortgage Solutions Ltd, which is an appointed representative of Stonebridge Mortgage Solutions Ltd. and is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 631659.

PLEASE MAKE BORROWING DECISIONS CAREFULLY, PROPERTY OR OTHER ASSETS OFFERED AS SECURITY MAY BE AT RISK IF YOU CANNOT KEEP UP WITH REPAYMENTS.

Are you ready to take the first step on the property ladder? This guide includes everything you need to know to get started:

• Understanding your mortgage options
• Key documents you need to prepare
• How to assess your budget and borrowing potential
• Step-by-step advice on finding your ideal home
• Additional costs to consider
• Upcoming stamp duty changes

DO THESE QUESTIONS SOUND FAMILIAR?

As a first-time buyer, you likely have a lot of questions. Here are some of the most common ones we hear:

• How much can I borrow?
• What type of mortgage is right for me?
• What are the hidden costs of buying a home?
• How do I know if I’m eligible for a mortgage?
• What deposit do I need as a first time buyer?
• What’s the difference between a fixed-rate and a variable-rate mortgage?

If these questions sound familiar, don't worry, we're here to help! Book a meeting with one of our expert advisers at Agentis and get personalised advice about your mortgage options.

Stamp Duty Changes

For first time buyers, time is of the essence. Stamp Duty relief for first time buyers will come to an end on March 31, 2025. This means that any property purchase after this date will be subject to the standard stamp duty rates.

If you’re ready to buy, now is the perfect time to act before the relief expires. This temporary benefit has allowed many first-time buyers to save a significant amount on their property purchase, but once the exemption ends, that saving will no longer be available.

Mark the date: Make sure you complete your purchase before March 31, 2025, to take full advantage of this relief!

At Agentis, we specialise in helping first-time buyers like you find the right mortgage solution. Here's why working with us is the right choice:

• Expertise in First-Time Buyer Mortgages: We understand the specific challenges first-time buyers face and know how to guide you through the process.
• Tailored Advice: We take the time to assess your unique situation and provide mortgage solutions that work for you, whether you're looking for low deposits or special government schemes.
  Access to Exclusive Lender Deals: Our wide network of lenders gives you access to competitive rates and exclusive deals.
• End-to-End Support: From your initial consultation to mortgage approval, we’ll be by your side, making sure everything goes smoothly and helping you make informed decisions at every stage.
  

Since 2014, our Mortgage Brokers have been providing expert guidance to clients across the UK. We take a personalised, case-by-case approach to each mortgage, recognising that every client’s situation is unique. Our goal is to deliver tailored advice that helps you secure the best property finance and protection solutions for your specific needs. Now’s the time to take the next step towards owning your first home. Let Agentis help you get there!

WHY WORK WITH AGENTIS?

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