First time buyer

[Nicol@]

Is there anything for 'first time buyers' that does not involve shared ownership or a million pounds deposit ...ok I exaggerated a little.

Is 15% deposit the smallest out there?

[Nicol@]

Muzzlehatch said:

NatWest have just launched a 95% first time buyer mortgage, but with strings attached:

http://www.mortgagestrategy.co.uk/cgi-bin/item.cgi...

Don't think I will be doing that, but thanks for finding it.

Anything else? as I am trying to move house asap and would rather not rent.

[Nicol@]

scotal said:

Entirely depends on deposit, financial circumstances and credit score at the moment.
High LTV's mean high rates at the moment.

I could only get a max of 10% deposit.
In a long term job. No loans overdrafts etc. Got my first credit card last month to start building a good score.

Would it be easier to have some babies and get a nice house from the council?

[Nicol@]

Haworth.

You mis-interpreted me.

I can only get a max of 10% together as that is what I could find now. I need to move house now due to other issues.

[Nicol@]

Moving into a rented house this weekend (which solved by biggest problem of needing somewhere to live that wasn't where I am now) and hopefully I can start saving a little more towards a deposit, then I can review the situation again in six months.
At least a have a little breathing space now.

Thanks everyone (even Mark)