{"id":296,"date":"2024-04-09T21:18:00","date_gmt":"2024-04-09T21:18:00","guid":{"rendered":"https:\/\/coppenwall.com\/estate-agents-blog\/?p=296"},"modified":"2024-11-13T11:47:15","modified_gmt":"2024-11-13T11:47:15","slug":"getting-on-the-property-ladder","status":"publish","type":"post","link":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/","title":{"rendered":"Getting on the property ladder"},"content":{"rendered":"
<\/div>\n

People are genuinely finding it difficult to get on the property ladder and secure their first mortgage with house prices rising<\/strong>.<\/p>\n\n\n\n

Even saving up for the deposit<\/strong> can seem like a huge task. Here are some tips to help on how to get yourself into the best position to buy your first home<\/strong>.<\/p>\n\n\n\n\n\n\n\n

Employment<\/h3>\n\n\n\n

The banks are looking for people who can keep up with monthly repayments, are financially responsible, and have regular work<\/strong>. <\/p>\n\n\n\n

Make sure you have 3-6 months wage slips, if self-employed, you must have at least 2 years worth of account history, to obtain a mortgage approval<\/strong>. However, this is only one factor the lender will look at.<\/p>\n\n\n\n

Deposit<\/h3>\n\n\n\n

Set up a direct debit into a savings account<\/strong>,\u00a0and get into the habit of saving your hard-earned cash.<\/p>\n\n\n\n

Even if it is just a small amount, and it takes you a few years, you have to start somewhere. Later down the line, you may wish you had started sooner.<\/p>\n\n\n\n

Credit file<\/h3>\n\n\n\n

There are lots of websites that offer credit checks<\/strong>, but the best one in our experience is: https:\/\/www.experian.co.uk\/<\/a>. Credit expert will give you details of any outstanding bills, CCJ’s, defaults etc. All of these things can affect your lend-ability<\/strong>.<\/p>\n\n\n\n

If there is something on your file which is affecting your credit score, give yourself time to get things sorted, so you get the best mortgage rate<\/strong> when you do apply for a mortgage. <\/p>\n\n\n\n

Don’t bury your head in the sand – find out what position you are in sooner rather than later.<\/p>\n\n\n\n

Mortgage advisors<\/h3>\n\n\n\n

Speak to the experts. Most mortgage advisors<\/strong> offer their first consultation free of charge, so you can shop around if needed. These people have arranged thousands of mortgages, and will know which lenders would be most suitable for you<\/strong> and your circumstances.<\/p>\n\n\n\n

Make sure you have 3 months worth of bank statements, 3-6 months wage slip<\/strong>s, and a copy of your credit file to hand for your meeting. <\/p>\n\n\n\n

Contact Coppenwall<\/a>, and we can put you in touch with our mortgage advisor. We’ll help you get on the Property ladder.<\/strong><\/p>\n\n\n\n

Help to Buy<\/h3>\n\n\n\n

The government have launched a few incentives to help first-time buyers<\/strong>. The most common is the help to buy scheme. <\/p>\n\n\n\n

This scheme means you share ownership of a new-build property<\/strong> with the government, so you need less deposit,<\/strong> and a smaller mortgage<\/strong>.<\/p>\n\n\n\n

There are some drawbacks, such as repaying their percentage when you do decide to sell, but overall, it is a positive move forward into a new home.<\/p>\n\n\n\n

If there is anything you would like to discuss, or would like a referral to one of our trusted mortgage advisors, contact Coppenwall Estate Agents<\/a>.<\/p>\n\n\n\n

If you have started saving and are in the market to buy, then check out our Things to look for when buying<\/a> a home post, there’s lots of great property buying advice on there.<\/p>\n","protected":false},"excerpt":{"rendered":"

People are genuinely finding it difficult to get on the property ladder and secure their first mortgage with house prices rising. Even saving up for the deposit can seem like a huge task. Here are some tips to help on how to get yourself into the best position to buy your first home.<\/p>\n","protected":false},"author":3,"featured_media":50330,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83,88,75],"tags":[234,236,235,172],"class_list":["post-296","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-sales","category-local-information","category-property-sales","tag-buying-your-first-home","tag-help-to-buy","tag-mortgages","tag-property-ladder"],"yoast_head":"\nGetting on the property ladder - Coppenwall Estate Agents<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Getting on the property ladder - Coppenwall Estate Agents\" \/>\n<meta property=\"og:description\" content=\"People are genuinely finding it difficult to get on the property ladder and secure their first mortgage with house prices rising. Even saving up for the deposit can seem like a huge task. Here are some tips to help on how to get yourself into the best position to buy your first home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/\" \/>\n<meta property=\"og:site_name\" content=\"Coppenwall Estate Agents\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-09T21:18:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-13T11:47:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2024\/04\/sold-pic.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2046\" \/>\n\t<meta property=\"og:image:height\" content=\"2046\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/\"},\"author\":{\"name\":\"Emma\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#\\\/schema\\\/person\\\/7f8e9295518f2e9b4a923bf514726d74\"},\"headline\":\"Getting on the property ladder\",\"datePublished\":\"2024-04-09T21:18:00+00:00\",\"dateModified\":\"2024-11-13T11:47:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/\"},\"wordCount\":492,\"publisher\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/sold-pic.jpg\",\"keywords\":[\"buying your first home\",\"help to buy\",\"mortgages\",\"property ladder\"],\"articleSection\":[\"Home Sales\",\"Local information\",\"Property Sales\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/\",\"url\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/\",\"name\":\"Getting on the property ladder - Coppenwall Estate Agents\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/sold-pic.jpg\",\"datePublished\":\"2024-04-09T21:18:00+00:00\",\"dateModified\":\"2024-11-13T11:47:15+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/#primaryimage\",\"url\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/sold-pic.jpg\",\"contentUrl\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/sold-pic.jpg\",\"width\":2046,\"height\":2046},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/2024\\\/04\\\/09\\\/getting-on-the-property-ladder\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Getting on the property ladder\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#website\",\"url\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/\",\"name\":\"Coppenwall Estate Agents\",\"description\":\"Properties For Sale\",\"publisher\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#organization\",\"name\":\"Coppenwall Estate Agents\",\"url\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/cropped-web-logo-small-header-1.png\",\"contentUrl\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/cropped-web-logo-small-header-1.png\",\"width\":250,\"height\":110,\"caption\":\"Coppenwall Estate Agents\"},\"image\":{\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/#\\\/schema\\\/person\\\/7f8e9295518f2e9b4a923bf514726d74\",\"name\":\"Emma\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/emma-square-96x96.jpg\",\"url\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/emma-square-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/emma-square-96x96.jpg\",\"caption\":\"Emma\"},\"url\":\"https:\\\/\\\/coppenwall.com\\\/hub\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Getting on the property ladder - Coppenwall Estate Agents","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/","og_locale":"en_US","og_type":"article","og_title":"Getting on the property ladder - Coppenwall Estate Agents","og_description":"People are genuinely finding it difficult to get on the property ladder and secure their first mortgage with house prices rising. Even saving up for the deposit can seem like a huge task. Here are some tips to help on how to get yourself into the best position to buy your first home.","og_url":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/","og_site_name":"Coppenwall Estate Agents","article_published_time":"2024-04-09T21:18:00+00:00","article_modified_time":"2024-11-13T11:47:15+00:00","og_image":[{"width":2046,"height":2046,"url":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2024\/04\/sold-pic.jpg","type":"image\/jpeg"}],"author":"Emma","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Emma","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/#article","isPartOf":{"@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/"},"author":{"name":"Emma","@id":"https:\/\/coppenwall.com\/hub\/#\/schema\/person\/7f8e9295518f2e9b4a923bf514726d74"},"headline":"Getting on the property ladder","datePublished":"2024-04-09T21:18:00+00:00","dateModified":"2024-11-13T11:47:15+00:00","mainEntityOfPage":{"@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/"},"wordCount":492,"publisher":{"@id":"https:\/\/coppenwall.com\/hub\/#organization"},"image":{"@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/#primaryimage"},"thumbnailUrl":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2024\/04\/sold-pic.jpg","keywords":["buying your first home","help to buy","mortgages","property ladder"],"articleSection":["Home Sales","Local information","Property Sales"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/","url":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/","name":"Getting on the property ladder - Coppenwall Estate Agents","isPartOf":{"@id":"https:\/\/coppenwall.com\/hub\/#website"},"primaryImageOfPage":{"@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/#primaryimage"},"image":{"@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/#primaryimage"},"thumbnailUrl":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2024\/04\/sold-pic.jpg","datePublished":"2024-04-09T21:18:00+00:00","dateModified":"2024-11-13T11:47:15+00:00","breadcrumb":{"@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/#primaryimage","url":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2024\/04\/sold-pic.jpg","contentUrl":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2024\/04\/sold-pic.jpg","width":2046,"height":2046},{"@type":"BreadcrumbList","@id":"https:\/\/coppenwall.com\/hub\/2024\/04\/09\/getting-on-the-property-ladder\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/coppenwall.com\/hub\/"},{"@type":"ListItem","position":2,"name":"Getting on the property ladder"}]},{"@type":"WebSite","@id":"https:\/\/coppenwall.com\/hub\/#website","url":"https:\/\/coppenwall.com\/hub\/","name":"Coppenwall Estate Agents","description":"Properties For Sale","publisher":{"@id":"https:\/\/coppenwall.com\/hub\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/coppenwall.com\/hub\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/coppenwall.com\/hub\/#organization","name":"Coppenwall Estate Agents","url":"https:\/\/coppenwall.com\/hub\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/coppenwall.com\/hub\/#\/schema\/logo\/image\/","url":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2019\/07\/cropped-web-logo-small-header-1.png","contentUrl":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2019\/07\/cropped-web-logo-small-header-1.png","width":250,"height":110,"caption":"Coppenwall Estate Agents"},"image":{"@id":"https:\/\/coppenwall.com\/hub\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/coppenwall.com\/hub\/#\/schema\/person\/7f8e9295518f2e9b4a923bf514726d74","name":"Emma","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2025\/07\/emma-square-96x96.jpg","url":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2025\/07\/emma-square-96x96.jpg","contentUrl":"https:\/\/coppenwall.com\/hub\/wp-content\/uploads\/2025\/07\/emma-square-96x96.jpg","caption":"Emma"},"url":"https:\/\/coppenwall.com\/hub\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/posts\/296","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/comments?post=296"}],"version-history":[{"count":0,"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/posts\/296\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/media\/50330"}],"wp:attachment":[{"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/media?parent=296"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/categories?post=296"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/coppenwall.com\/hub\/wp-json\/wp\/v2\/tags?post=296"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}