{"id":23,"date":"2026-10-16T04:24:37","date_gmt":"2026-10-16T04:24:37","guid":{"rendered":"https:\/\/elementor.ltheme.com\/lt-loan\/first-home\/"},"modified":"2026-10-16T15:18:57","modified_gmt":"2026-10-16T15:18:57","slug":"first-home","status":"publish","type":"page","link":"https:\/\/elementor.ltheme.com\/lt-loan\/mortgages\/buying\/first-home\/","title":{"rendered":"First home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"23\" class=\"elementor elementor-23\">\n\t\t\t\t<section class=\"elementor-element elementor-element-275e8b3 e-con-boxed lt-sec lt-pagehead e-flex e-con e-parent\" data-id=\"275e8b3\" data-element_type=\"container\" data-e-type=\"container\" id=\"top\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-13ef485 e-con-full e-flex e-con e-child\" data-id=\"13ef485\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-940b6d0 lt-pagehead__title elementor-widget elementor-widget-heading\" data-id=\"940b6d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">First home<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce33f24 lt-lead elementor-widget elementor-widget-text-editor\" data-id=\"ce33f24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Buying for the first time: what the smallest deposit means and what lenders look for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-1f9e237 e-con-boxed lt-sec e-flex e-con e-parent\" data-id=\"1f9e237\" data-element_type=\"container\" data-e-type=\"container\" id=\"facts\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-82c2394 e-grid e-con-full e-con e-child\" data-id=\"82c2394\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4921bc9 e-con-full e-flex e-con e-child\" data-id=\"4921bc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ceb5ed lt-h3 elementor-widget elementor-widget-heading\" data-id=\"4ceb5ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">First home in brief<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e602dd1 lt-mini lt-ltv-95 elementor-widget elementor-widget-text-editor\" data-id=\"e602dd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"lt-mini__bar\"><span class=\"lt-sr\">Usually up to 95% of the price as a loan. <\/span><\/span><span class=\"lt-mini__lbl\">Usually up to 95% of the price<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9153c6b e-con-full lt-rows lt-prices e-flex e-con e-child\" data-id=\"9153c6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8ce2d2f e-grid e-con-full lt-price e-con e-child\" data-id=\"8ce2d2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1bb06e8 e-con-full e-flex e-con e-child\" data-id=\"1bb06e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4dfa5a lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"a4dfa5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Smallest deposit most lenders accept<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08764b7 lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"08764b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>5%<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7cfc46 e-grid e-con-full lt-price e-con e-child\" data-id=\"c7cfc46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-db8d7eb e-con-full e-flex e-con e-child\" data-id=\"db8d7eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8ef105 lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"b8ef105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lenders on our panel at 95%<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a389883 lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"a389883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>17 of 40<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-176d1d8 e-grid e-con-full lt-price e-con e-child\" data-id=\"176d1d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fb221e6 e-con-full e-flex e-con e-child\" data-id=\"fb221e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25699f5 lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"25699f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Gifted deposits<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05e8272 lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"05e8272\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Accepted by most<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbb8b2f e-grid e-con-full lt-price e-con e-child\" data-id=\"cbb8b2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c9c17dc e-con-full e-flex e-con e-child\" data-id=\"c9c17dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f55955a lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"f55955a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Time from first call to offer<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc0d73a lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"fc0d73a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>3 to 6 weeks<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b22a708 lt-note elementor-widget elementor-widget-text-editor\" data-id=\"b22a708\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Facts (sample); each lender sets its own rules.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-816245a e-con-full e-flex e-con e-child\" data-id=\"816245a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-758ad9f lt-photo lt-ar-photo elementor-widget elementor-widget-image\" data-id=\"758ad9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/elementor.ltheme.com\/lt-loan\/wp-content\/uploads\/sites\/57\/2026\/10\/demo-lt-loan-advice.jpg\" class=\"attachment-full size-full wp-image-7\" alt=\"A young couple signing mortgage papers with an adviser on a sofa\" srcset=\"https:\/\/elementor.ltheme.com\/lt-loan\/wp-content\/uploads\/sites\/57\/2026\/10\/demo-lt-loan-advice.jpg 1600w, https:\/\/elementor.ltheme.com\/lt-loan\/wp-content\/uploads\/sites\/57\/2026\/10\/demo-lt-loan-advice-300x169.jpg 300w, https:\/\/elementor.ltheme.com\/lt-loan\/wp-content\/uploads\/sites\/57\/2026\/10\/demo-lt-loan-advice-1024x576.jpg 1024w, https:\/\/elementor.ltheme.com\/lt-loan\/wp-content\/uploads\/sites\/57\/2026\/10\/demo-lt-loan-advice-768x432.jpg 768w, https:\/\/elementor.ltheme.com\/lt-loan\/wp-content\/uploads\/sites\/57\/2026\/10\/demo-lt-loan-advice-1536x864.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43d23e7 elementor-widget elementor-widget-text-editor\" data-id=\"43d23e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most first-time buyers we see have saved between 5% and 15% of the price (sample). We look at what you can borrow, what each band means for you, and any schemes you may qualify for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d20d809 lt-ticks elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d20d809\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A clear figure for what lenders may lend<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">An agreement in principle before you make an offer<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Help with gift letters and deposit proof<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7435c3 lt-warning elementor-widget elementor-widget-text-editor\" data-id=\"e7435c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-ada4e3e e-con-boxed lt-sec lt-dark lt-cta e-flex e-con e-parent\" data-id=\"ada4e3e\" data-element_type=\"container\" data-e-type=\"container\" id=\"call-us\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-659d2da e-grid e-con-full e-con e-child\" data-id=\"659d2da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13ebce7 lt-cta__title elementor-widget elementor-widget-heading\" data-id=\"13ebce7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Start with a free first call<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f0fab6 e-con-full e-flex e-con e-child\" data-id=\"1f0fab6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c63e587 lt-lead elementor-widget elementor-widget-text-editor\" data-id=\"c63e587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Twenty minutes on the phone or by video. Have a rough price and deposit in mind; we tell you what the lenders will ask for and what we charge, before anything is done.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36444d6 e-con-full lt-buttons  e-flex e-con e-child\" data-id=\"36444d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbe060d lt-btn lt-btn--primary elementor-widget elementor-widget-button\" data-id=\"bbe060d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/elementor.ltheme.com\/lt-loan\/contact\/#call\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a free first call<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14e6833 lt-btn lt-btn--outline elementor-widget elementor-widget-button\" data-id=\"14e6833\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+15550314700\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Call the office<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":21,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-23","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/pages\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":1,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/pages\/23\/revisions"}],"predecessor-version":[{"id":24,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/pages\/23\/revisions\/24"}],"up":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/pages\/21"}],"wp:attachment":[{"href":"https:\/\/elementor.ltheme.com\/lt-loan\/wp-json\/wp\/v2\/media?parent=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}