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.

What lockdown has taught us about our homes

by Leeds Building Society


We’ve all been spending more time at home over the past few months. And for many of us, it’s changed the way we think about where we live.

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Can you buy a house now lockdown is easing?

by Leeds Building Society


There’s likely one big question on prospective homebuyers’ minds – is it even possible to buy a house right now? The good news is, while you may have previously put plans on hold due to lockdown, restrictions have now eased enough to get the wheels back in motion for many.

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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

Shared Ownership: how does it work?

by Leeds Building Society


Shared Ownership offers a great way of getting onto the property ladder, even when this feels completely out of reach.

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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

Five DIY hacks to try at home

by Leeds Building Society


Most of us are spending a lot of time indoors lately, and there are only so many box-sets to binge or baking recipes to attempt! Take a look at our list of DIY hacks below, and consider trying your hand at something new this month…

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Make your home more secure

by Leeds Building Society


From your precious jewellery to your pet tortoise – anything could be stolen from your home if you don’t take extra care! With almost four million property thefts reported by police in England and Wales last year, we want to help you make sure your home safe and sound.

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Mortgage cashback: what to buy after you've bought...

by Leeds Building Society


It’s an inescapable and unavoidable fact – buying a house is expensive. Even after you’ve dotted all the ‘i’s’, crossed all the ‘t’s’ and parted with your hard earned deposit, you’ll still probably have to spend a few more pennies to make your house feel more like home. And that’s where a cashback mortgage might come in handy.

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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

Take the stress out of moving

by Leeds Building Society


They say it’s the third most stressful life event – but moving is usually far more exciting than its stress-causing contenders. Imagining yourself settled in your new home will remind you why you’re putting in all this hard work. If you still feel burdened by the sheer number of things you need to do before settling into your new home, try some of our useful tips below.

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First time buyer? Let's talk conveyancing

by Leeds Building Society


If you’re at a point where you’re thinking about buying your first house, you’re probably extremely excited and completely overwhelmed in equal measure. Well to help you unpick some of the process, we thought we’d briefly shed some light on the legal side.

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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

Where should you buy a UK holiday home?

by Leeds Building Society


Now that the summer holidays have come to an end you’re probably missing what you’ve experienced this year – that gorgeous beach, the glorious sunshine, or maybe just the feeling of being out in the countryside. But what if you knew you could go back to them again and again, whenever you liked? Hold that thought, because here are some of the best places to buy a holiday home in the UK based on what you’re most yearning 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

Make your home feel cooler

by Leeds Building Society


We’ve recently experienced skyrocketing temperatures and record highs in the UK*, and with more sun (fingers crossed) to come you could be forgiven for trying to hunt out some shade. Unfortunately though, heading back into your home may not always be the escape you expect. In the hopes of helping you free your home from the grasp of the heatwave, we have come up with a few tips and tricks.

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Stamp duty explained

Last updated: 18th January 2018


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 (£300,000 if you're a first time buyer). 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

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: 9th January 2018


Remortgaging can be a tricky subject to get your head round, and many homeowners don't fully understand how it works. We've busted some of the most common myths around remortgaging.

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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

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

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

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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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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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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How to settle into your new home - in 7 steps

Last updated: 10th August 2020


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

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10 common 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

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

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 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

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

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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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