Just Looking

Whether you are ready to buy a property with someone else or simply just looking, our website is packed full of helpful tips and guides to get you onto the property ladder. We have specialist knowledge of all home buying schemes including Help to Buy, Right to Buy, Shared Ownership and sharing a mortgage jointly with friends and family.

We also have a community of renters looking to share renting with someone else with the mutual aspiration and drive to buy a property either ontheir own, or with someone else. You can join and see who is looking to rent near you - Rental Community

If you need help or guidance then get in contact and call us on 0333 344 3234.
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2 Steps To Afford Buying a Home


Step 1 - Calculate your salary multiples
Working out how large a mortgage you can afford comes down to:

1. How large your salary is;
2. How many multiples your mortgage lender will offer; &
3. Whether you can afford the mortgage repayments

Why not use our mortgage calculator to see how much you can afford - free mortgage calculator

Step 2 - Budget what you can afford?
Saving a deposit is fundamental to finally achieving home ownership so make sure you start saving as much as you can as soon as possible. The more you can save, the easier you'll find buying a home, either through needing a smaller mortgage or through buying in a better area.

You'll need to save up a minimum of 5% of the purchase price if you use the Help to Buy scheme, or 10% if you are buying a property on the open market.

For Example:
A property worth £150,000, you'll need a minimum of £7,500 using the Help to Buy Equity Loan Scheme and have a salary in the region of £25,000 (if you can get a 4.5 times salary mortgage).

We have an affordability calculator that helps you budget all of the costs of buying a home and you can use it free here - Affordability Calculator

Can't afford to do it on your own

Many first time buyers simply can't afford to buy on their own as it'll take too long to save up the deposit to bridge the gap between their mortgage and the purchase price. This is why so many people look to share a mortgage with their friends and family. 

By jointly buying a property with a friend or family member you can look to increase your buying power.

For Example:
A property worth £200,000, you'll need a minimum of £10,000 using the Help to Buy Equity Loan Scheme and have a salary in the region of £33,333 (if you can get a 4.5 times salary mortgage). Split between two people this is a deposit of £5,000 each and an annual salary of £16,666.

This is how you can share a mortgage and buy a home more affordable.