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Buying Your First Home in London: How We Can Help

Plan the money, then search with confidence.

Buying Your First Home in London: How We Can Help Residential Property Services in London

Updated October 2026 · Fraser Bond

Buying · First home

Your first London home

SDLTrelief
LISAbonus
Sharedownership
MIPfirst
In short: Buying your first home in London starts with the numbers: your deposit, what a lender will offer, and the costs of buying such as legal fees and surveys. First-time buyers pay no Stamp Duty on the first £300,000 of a home costing up to £500,000. Shared ownership and the Lifetime ISA can help you get on the ladder. Get a mortgage in principle before viewing, so sellers take your offer seriously. Fraser Bond helps first-time buyers find homes, negotiate and keep the purchase on track.

Your path to a first home

1
BudgetDeposit, borrowing and costs.
2
Mortgage in principleFrom a lender or broker.
3
SearchChoose areas and view.
4
OfferNegotiate with our help.
5
CompleteSolicitor, survey and mortgage offer.

Frequently asked questions

How much deposit do I need?

Usually 5–10%, more improves rates.

Do first-time buyers pay stamp duty?

Not on the first £300,000, up to a £500,000 price.

Buying your first home?

Talk to our team or get a free valuation.

Speak to our teamGet a free valuation

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