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Buying your first home involves more than just saving for a deposit; you’ll also need to consider mortgage fees, legal costs, stamp duty, and ongoing expenses like insurance and utilities. Understanding these costs in advance will help you budget effectively and ensure a smooth home-buying experience.


Family assistance mortgages help first-time buyers get on the property ladder with the support of a family member's savings. They offer a way to buy a home without a deposit, but they come with certain risks and considerations. It's important to understand how they work and explore other options before deciding.


Should you go with an Independent broker or bank for your mortgage journey? We are here to help with the decision; below, we have listed all the advantages and disadvantages of each option so you can make the best educationed decision.