Specialised first-time-buyer mortgages are designed to help people get a foot on the property ladder.

Some of the various schemes and products specifically created for first-time-buyers includes:

• Shared ownership schemes
• Guarantor mortgages
• 100% (no-deposit) mortgages
• Key worker schemes
• Housing Associations

Which first-time-buyer Mortgage product is best suited to you will depend on the circumstances under which you are buying the property as well as your personal financial situation.

Property affordability has declined rapidly in recent years. For this reason lenders are constantly assessing the needs of first-time-buyers and bringing new and innovative first-time-buyer Mortgages to the market that can help them get a foot on the property ladder.