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First-Time Buyer Mortgage Guide: A Simple UK Guide (2026)

Buying your first home is exciting, but the mortgage process can feel confusing. This simple guide explains how a first-time buyer mortgage works in the UK, what lenders usually look at, the steps from start to finish, and the Stamp Duty relief for first-time buyers. Stamp Duty figures were checked on GOV.UK on 13 October …

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