Even though the average first-time buyer has to put down 94 per cent of their annual income, just for the deposit, here are some tips to smooth your passage to home ownership: 1. Get the developers to pay your deposit… If you can put down five per cent of the purchase price, developers such as [...]

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For those with sufficient cash (40% of home purchases last year did not require a loan), equity in their home or the resources from parents to draw upon, the mortgage market is improving, according to leading brokers. David Hollingworth of London & Country Mortgages said many lenders, such as Santander and Barclays, had been reducing [...]

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