First-Time Buyer Conveyancing
Clear, expert legal support to guide you through every step of buying your first property.
First Time Buyers
Buying your first property?
Buying your first home is a huge milestone, but it can also feel overwhelming. From mortgages and surveys to contracts and completion dates, there’s a lot to take in, and it’s important to us that you have the right help along the way.
Our solicitors guide first-time buyers through every stage, explaining everything clearly, keeping you updated, and making sure nothing catches you off guard between offer and getting your keys.
What Does a Solicitor Do for a First-Time Buyer?
When you buy your first home, your solicitor handles all the legal work to protect you and your investment. We will:
Review the contract and legal documents
Carry out property searches
Check the property title and ownership
Raise enquiries with the seller's solicitor
Liaise with your mortgage lender
Exchange contracts
Complete your purchase and register you as the legal owner
We explain each step in plain English so you always know what’s happening.
First-Time Buyer Costs Explained
Understanding costs upfront is important. Typical costs include:
Solicitor's legal fee
Property search fees
Land Registry fee
Stamp Duty (many first-time buyers qualify for relief)
Mortgage lender fees (if applicable)
We provide a clear quote with full transparency before you commit.
First-Time Buyer Schemes We Support
If you’re buying through a government or developer scheme, we can help. We regularly act for buyers using:
First Homes Scheme
Shared Ownership
New-build properties
Lifetime ISA
These purchases can involve additional legal requirements, and our team ensures everything is handled correctly.
Why Choose Us as a First-Time Buyer?
We understand that first-time buyers often need more guidance and reassurance. That’s why we provide:
A dedicated point of contact
Clear, jargon-free communication
Regular updates throughout
Transparent pricing with no hidden costs
Online case tracking
Extended weekday and Saturday availability
Our aim is simple: to make your first purchase as straightforward and stress-free as possible.
What is the process of buying your first property?
Buying your first home is a new experience, but with the right guidance you can move from offer to keys with minimal stress. Here’s what to expect:
Consider Your Finances
Work out your budget, including your deposit and additional costs like Stamp Duty and legal fees. If any part of your deposit is being gifted by a family member, let your mortgage broker know early, your lender will need to be made aware of this.
Find a Property
Search property portals and speak to local estate agents to find a home that fits your budget and needs.
Make an Offer
Once you've found the right property and confirmed your mortgage affordability, submit your offer.
Instruct Your Solicitor
We'll review the draft contract, raise enquiries with the seller's solicitor, and carry out property searches to check everything is in order.
Apply for Your Mortgage
Once your offer is accepted, you'll submit your full mortgage application. Your lender will arrange a valuation or survey of the property before issuing your formal mortgage offer.
Mortgage Offer
Your lender issues a formal mortgage offer, which we'll review to make sure it's consistent with the contract and title.
Exchange of Contracts
Once all enquiries are resolved and your mortgage offer is confirmed, contracts are exchanged and a completion date is agreed.
Completion
On completion day, the purchase funds are transferred, you get the keys, and you can move into your new home.
Resources
Frequently Asked Questions
Explore our FAQs for First Time Buyers!
How much deposit do I need as a first-time buyer?
Most lenders ask for a minimum of 5% of the purchase price, though a larger deposit can open up better mortgage rates. Your mortgage broker will confirm exactly what you’ll need based on your circumstances.
Do I have to pay Stamp Duty as a first-time buyer?
Many first-time buyers qualify for Stamp Duty relief, meaning you may pay less or nothing at all depending on the purchase price. We’ll confirm your position as part of your quote.
How long does buying a first home usually take?
It varies depending on the chain and any searches involved, but most first-time buyer purchases complete within 8 to 12 weeks from offer acceptance. We’ll keep you updated at every stage so you always know where things stand.
Can I use the Lifetime ISA or First Homes Scheme for my purchase?
Yes, we regularly support buyers using these schemes. Each comes with its own eligibility rules and legal requirements, and our team will make sure everything is handled correctly from application through to completion.
