For Home Buyers

Whether you’re a first time buyer or simply relocating, there are a lot of things to consider before you put down your roots. We’re here to help make it easy for you to find somewhere with the location, amenities and price you’re looking for.

Financial help for first time buyers

Last updated: 6th September 2017


When buying your first home it can be difficult to save up a sizeable deposit, but there is support out there to help you get your foot on the housing ladder.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Stamp duty explained

Last updated: 22nd November 2017


Stamp duty land tax (normally just called stamp duty) is an additional tax you have to pay when you buy buy a property for more than £125,000. Here's how it works.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

7 tips to keep your home safe on Bonfire Night

by Leeds Building Society


With the dark nights setting in and the colder weather on its way, what better way to spend time with friends and family than enjoying the bright lights and spectacle of your local bonfire or fireworks display. But while you’re busy making plans to enjoy yourself, criminals could be making plans on your home.

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First time buyers: credit scores explained

by Leeds Building Society


When assessing your mortgage application, one of the main things lenders will look at is your credit score. So it's important you know what it is and what shape your score's currently in.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Right to Buy explained

by Leeds Building Society


Right to buy is a government scheme that can help you buy your home at a discounted price if you rent it from your local council or housing association. Here are the key things you need to know about getting on the property ladder with Right to Buy.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The dangers of Japanese knotweed

by Leeds Building Society


Cracked concrete, broken brickwork and muddled mortgage applications - so many of these home-buying horror stories have a single, unlikely villain: Japanese knotweed.

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Common misconceptions: remortgaging

Last updated: 30th August 2017


You may want to remortgage for a number of reasons. Your fixed term is almost up, you’re looking to move house or your current mortgage just isn’t a good fit for you anymore. But remortgaging isn’t all that straight forward. We’re here to keep things simple and tackle some of those questions you might have on the subject.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

To renovate or move? 5 things to consider

by Leeds Building Society


Is it better to renovate and improve your current home, or move to a new place? If you're one of the thousands of homeowners puzzling over that question, you'll know there's rarely an easy answer. So let us help. Here are five key factors to consider.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

How to remortgage

by Leeds Building Society


So you've done your sums, and you've decided that you could save money by remortgaging. But how do you go about it?

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We've been talking about mortgages

by Leeds Building Society


Do you have a burning question about mortgages? On the 26th October we hosted a Twitter chat with three experts (a.k.a mortgage masterminds!) on hand to answer any mortgage related questions you had.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Part and part mortgages explained

by Leeds Building Society


Part and part mortgages let you pay back some of your mortgage on an interest only basis, and some on a repayment basis. Is it the right option for you? Let our guide to part-and-part mortgages help you decide.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Interest only mortgages explained

by Leeds Building Society


There are a lot of myths and misconceptions surrounding interest only mortgages – that’s why we’ve put together this guide. It answers all the big interest only questions in detail: what it is, how it works, and how much you’ll actually end up paying.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

How to view a house like a pro

by Leeds Building Society


There’s no denying, viewing properties is an exciting time for anyone. You get to step inside what potentially could be your new home. Whether you’re joining the property ladder or climbing up it, follow these top tips and arm yourself with as much knowledge as possible before you decide to make that offer.

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Contents insurance: How to get the right cover

by Leeds Building Society


Millions of the people in the UK have the wrong home insurance cover. It's not the easiest topic, but it's worth getting it right. Too much cover, and you'll pay more than you need to. Too little, and your home won't be protected. In this guide, we explain how to get the right contents insurance cover.

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Buildings insurance: How to get the right cover

by Leeds Building Society


Buildings insurance is essential, but many people have too much or not enough of it. In this guide, we explain how to make sure you've got the right cover for your needs.

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How to settle into your new home - in 7 steps

by Leeds Building Society


A 7-step guide to settling into your new home - from the first night to the finishing touches.

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10 mistakes to avoid when buying your first home

Last updated: 13th November 2017


When you’re talking about life’s major milestones, buying your first home is right up there. However, it is a complex process to navigate and there can be pitfalls along the way. To help you avoid them, we’ve put together a list of the ten most common mistakes first-time buyers make.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

A guide to fixed rate mortgages

by Leeds Building Society


If you have a fixed term mortgage, your monthly repayments won't change when interest rates go up or down. In this article, we look at the pros, the cons, and everything in between.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The Ultimate Moving Day Survival Pack

by Leeds Building Society


For all your moving day essentials look no further. Our moving day survival pack includes everything you might need on the day. Put it all in one easy-to-locate box and you can focus your efforts on the move rather than wasting time trying to find your kettle for a much needed brew!

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Top 10 DIY tips for bank holiday weekends

by Leeds Building Society


Make the most of upcoming bank holiday weekends and get your home and garden summer ready with the help of our top 10 tips. Take inspiration from our top 10 tips & tricks and tackle those niggling DIY jobs now so you can relax in the garden when the sun makes an appearance.

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Winter Checklist

Last Updated: 17th October 2017


Knowing a few small things you can do around the home can be key to avoiding tricky and expensive situations should your home be hit by bad weather or flooding.

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What do you look for in a property?

by Leeds Building Society


If you're starting out on the property hunt or looking to sell your home, here are the top five features that buyers look for in a home.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Choosing the right property

by Leeds Building Society


During 2014, first-time buyers bought an estimated 326,500* homes, the highest number for seven years. When buying your first home, the number of properties and decisions can seem overwhelming.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The househunting gender agenda

by Leeds Building Society


Compromise is the key in relationships and is even more true when buying a home together. Buying a home together can be a big step forward in a relationship but what are UK couples willing to compromise on to get their dream home.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

What does the UK look for in a dream home?

by Leeds Building Society


Forget an Englishman’s home being his castle – homeowners across the UK are agreed on what makes their dream home - a three-bed, detached home with two bathrooms.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Moving day checklist

by Leeds Building Society


It’s often said that moving house is one of the most stressful life events you can experience. To make sure moving into your first home goes as smoothly as possible, take a look at our week-by-week preparation checklist.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Choosing a mortgage: the long and short of it

by Leeds Building Society


There was a time when home buyers would expect their mortgage term to last up to 25 years. It was the standard loan length, and for generations of home buyers it worked, spanning the course of their career and leaving them to enjoy a mortgage-free retirement.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Going it alone: self-employed home buyers

by Leeds Building Society


Self-employment brings with it a number of lifestyle benefits but with these come some potential downsides. For Britain's 4.6 million (source: Office of National Statistics 2014) self-employed people, obtaining a mortgage can be a challenge.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Financially fit first time buyers

by Leeds Building Society


First time buyers are under increasing pressure to prove they are financially fit. However, there are steps you can take to smooth your way to home ownership.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Buying with loved ones

by Leeds Building Society


An increasing number of first time buyers are thinking out of the box and buying with friends, family or a partner to help get a foot on to the property ladder.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Beginners guide to joint ownership

by Leeds Building Society


Before buying a property with someone, whether it is with friends, family members or your significant other – you need to decide how ownership of the property will be divided.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Beginners guide to Declaration of Trust

by Leeds Building Society


Buying a property can be an expensive and stressful experience, with deposits to raise and plenty of paperwork to complete. Many first time buyers are easing some of the financial strain by buying a property with a friend, partner, relative or a loved one.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Fees checklist for first time buyers

Last updated: 8th November 2017


Buying a new home is likely to be the single most expensive purchase you will ever make. When it comes to getting a mortgage or buying a house, there are a number of other one-off costs that you need to keep in mind and budget for.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Beginners guide to mortgages

Last updated: 26th October 2017


Very few people can afford to buy a home outright. A mortgage is a loan secured against land (including your property) that you repay over a number of years.

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Warning: THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Energy-efficient savings

by Leeds Building Society


UK household energy bills have risen by almost 40% over the past three years, resulting in a growing market for energy-saving home devices. These new devices aim to reduce your household bills and give respite from rising energy costs. In this article we take a look at some of the most popular products on the market.

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Understanding home insurance

by Leeds Building Society


Home insurance might seem like a confusing and complicated issue but it doesn't need to be. Put simply, home insurance covers the main structure of your home as well as your possessions within it.

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