First-time buyers

Riding the waves to your dream home

Buying a house for the first time is an exciting milestone, especially when you know what you are doing with an expert by your side. As a first-time buyer, it’s important to understand the process and what to expect. From booking your first viewing to getting the right mortgage to navigating the legalities all the way through to getting your keys, each step requires careful consideration. A first-time buyer is someone who has never owned a property in the UK or anywhere in the world.

When purchasing your first home, there are so many questions that need to be answered like:

How much can I borrow? The amount you can borrow depends on your income, expenses, and financial commitments. We’ll help you determine your borrowing capacity.
What is the first step of buying a home? The first step is to assess your financial situation and get decision in principle. We’ll guide you through the entire process.
Am I able to buy a home? We’ll evaluate your financial status and credit history to determine your eligibility for a mortgage.
How much deposit do I need? The required deposit typically ranges from 5% to 25% of the property value, but of course there are other possibilities too. We’ll help you understand your options and find the best deal.
What is a fixed mortgage? A fixed mortgage has a set interest rate for a specific period, usually between 2 to 5 years. We’ll help you decide the best term based on your financial goals.
What is a mortgage term and how long should or can it be? A mortgage term is the length of time you have to repay the loan, commonly between 25 to 30 years. We’ll help you choose a suitable term based on your financial situation.

Of course, all of the above considerations must be tailored to your unique situation to ensure you receive the best possible advice and support throughout your home-buying journey.

Our aim is to make this journey as easy flowing and stress free as possible – we do the legwork, so you don’t have to. If the above-mentioned questions have crossed your mind too, don’t be shy, get in touch with us today, and let’s talk!

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Schedule your no-obligation appointment today and discover how we can help you navigate your mortgage process, and find the right protection policy for you and your family.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Accurate and complete information is crucial for processing your protection application and ensuring you receive the appropriate coverage. Misrepresentations may result in claim denials or policy cancellation. The protection plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

The information provided on this website is for general informational purposes only and should not be considered as financial advice. While we strive to keep the information accurate and up to date, we make no guarantees regarding the completeness, accuracy, reliability, or suitability of the information contained herein. Any reliance you place on such information is strictly at your own risk. We recommend consulting with a qualified financial adviser or mortgage adviser before making any financial decisions. The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Danube Financial Solutions LLP is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Danube Financial Solutions LLP is registered in England and Wales with company number OC454931. Registered address: 6 Peacock Way, Worksop, S81 7SU

© Danube Financial Solutions LLP. All rights reserved.
2025

What is trust?

A Trust is a legal arrangement that allows you to leave money and things you own (your ‘assets’) to a person or people (the ‘beneficiaries’) when you die. A trust can be managed by family, friends or a solicitor (the ‘trustees’). All your assets put together form your ‘estate’. Your life insurance is an asset and can be put into a trust in the same way as anything else.

Why is it important to put your life insurance into trust?

Putting your life insurance in trust is a way of protecting the payout your loved ones could expect to claim if you were to die unexpectedly. A trust can separate your policy from the rest of your assets, protecting any potential pay-out from inheritance tax.

Key Benefits of Putting Life Insurance in Trust:

Control: You determine who receives the pay-out and how it’s managed.
Speed: Faster pay-out to beneficiaries, as probate delays are minimized.
Tax Efficiency: Potentially reduces inheritance tax liability by keeping the policy out of your estate.

By placing your life insurance within a trust, you can ensure your wishes are fulfilled and your loved ones receive the benefits of your policy more quickly and efficiently.

We as expert protection advisers can help you navigate the process of setting up a trust for your life insurance and ensure it meets your unique needs.

Trusts are not regulated by the Financial Conduct Authority.