Learn Hub | Home-buying | Moneybox

Introducing… Home-buying Gifts

14 December 2022

Now friends and family can easily contribute to your Lifetime ISA! Here’s everything you need to know about Home-buying Gifts.

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How does stamp duty work?

23 September 2022

As one of the biggest upfront home-buying costs, stamp duty is worth getting your head around. Here's our breakdown of how stamp duty works, plus the latest rates.

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What are joint mortgages and how do they work?

18 August 2022

We break down the benefits and risks of buying a home with another person.

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Buying a home in Scotland

18 August 2022

Here's how to buy a home in Scotland, in 8 simple steps.

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10 questions to ask estate agents at a property viewing

18 July 2022

These are the 10 key questions to ask an estate agent at a viewing before making an offer.

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Moving home checklist

13 July 2022

Prepare for moving day and remove stress with our easy checklist.

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Step 1 – Save for your deposit

14 June 2022

Kick off the home-buying process by saving for that all-important deposit. You might be closer than you think!

First-time buyer guide

Step 2 – Calculate how much you can borrow

14 June 2022

Get up to speed with how mortgages work and what 'loan-to-value' means, then find out how much you could borrow.

First-time buyer guide

Step 3 – Talk to the experts

14 June 2022

Understand how a mortgage broker and conveyancing solicitor can help your first home purchase run smoothly - and where to find them.

First-time buyer guide

Step 4 – Find a new home

14 June 2022

Finding the right property can take time! Here's what to look for when buying your first home. Plus, learn how to make a competitive offer.

First-time buyer guide

It's important you know

Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.

A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.

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

Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.

For Business Saver: T&Cs apply. Max one withdrawal per day.