First-time buyer mortgages in Northamptonshire

Buying your first home is exciting, and this guide breaks the process down step by step so you know what to expect.

How first-time buyer mortgages work

Lenders assess your income, credit history, deposit and the type of property you want to buy.

Deposits explained

Most lenders require at least a 5% deposit, although 10% or more may unlock better rates. Deposit amounts vary across Northamptonshire based on local property prices.

Understanding the buying process

1. Get a Decision in Principle
   
2. Make an offer
   
3. Valuation and underwriting
   
4. Legal work and completion 

First-time buyers in Northamptonshire

We help first-time buyers across Northampton, Daventry, Towcester, Kettering and surrounding villages understand how much they can borrow and what options are available.

Support for your first purchase

Use the form below and we’ll guide you through your options.

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Related services:

• Home Mover
• Buy-to-let Mortgage
• Protect

Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
Barfield Wealth Ltd is registered with the Financial Conduct Authority.