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First time buyers

You’ll never forget that feeling when you just know... this house is the one. At Cameron Homes and Galliers Homes, we are here to make the excitement of buying your very first home a reality.

Every one of our homes is designed to complement the way you live, from spacious living areas and great storage to flexible spaces to accommodate your changing needs as your story unfolds. As a master builder, you can be sure your first home is built to the very highest standards with craftmanship that lends a real eye for detail... so it will feel like home from the minute you move in.

Ask the Expert

 

Buying your first home can be daunting and exciting. To help make it easier and enjoyable for you to understand what you need to know and do, we spoke to an Independent Financial Advisor, Peter Edmonds, UK Director of Central Financial Services to provide you with his top tips for first time buyers.

 

Ask the expert - Peter Edmonds
Help to buy

Help to Buy

help to BuyDo you need a little help to make your dream home happen? A government backed Help to Buy equity loan provides an opportunity for you to buy your brand new home with as little as a 5% deposit, making home ownership far more affordable for those trying to get onto the property ladder, as well as those looking to move to a larger property. 

First Home Plan

Introducing the First Home Plan - a package designed to make buying your first home easy and affordable.

The plan provides £1,000 towards your legal fees, no stamp duty to pay, your choice of flooring and tiling, and more.

Available on selected properties.

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Help and advice every step of the way

Buying or selling a home doesn’t have to be a long or complicated process. But it’s important to know how to make the right choices. From securing the ideal mortgage to advice on stamp duty, we have put together some helpful information and services to help you on your way. 

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Download our First Time Buyers guide

Download our step-by-step guide to buying your first home.

Frequently asked questions

Do I need a full time job to get a mortgage?

When a lender makes a decision to offer you a mortgage, they will consider your income and outgoings. Your income can be from a variety of sources, depending on the lender. So you do not need to have a full time job, but they will assess your affordability based on your income.

What’s the difference in a variable or fixed interest rate?

A fixed interest rate mortgage, means that the rate of interest will not change for a period of time i.e. 2 years, 5 years etc and therefore your payments will be fixed for this period, enabling you to budget. With a variable rate mortgage the payments will change if the interest rate changes.
How much deposit do I need 

The amount of deposit will depend on your overall affordability and type of purchase; however, the minimum deposit required will be 5% of the purchase price.