Time to make a move

We know that buying your first home is exciting and nerve wracking at the same time. We’ve been helping first time buyers to buy their first home with ease for over 30 years.

You can rely on us to take care of every aspect of your purchase from helping you to choose your new home to working with your solicitors to make the process easy.

Our choice of homes have everything to offer a first time buyer. Each high quality home is designed to suit modern lifestyles and finished to the highest standards.

So much more included:

90% Mortgages Available#
No stamp duty for first time buyers for properties up to £250,000 if settlement prior to 24th March 2012
Choice of furniture included at no extra cost
Carpets and curtains and light fittings included with our compliments
A free plasma TV 40” plasma TV with home cinema
Lower monthly payments own 100% of your home but pay for a mortgage on between 75% and 90% of its value.
 

Our great new first Time Buyers Plan is now available at the following developments for a limited time offer. What are you waiting for?

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Now available at the following developments:

All prices quoted above are based on our deferred payment plan and may change. Please ask for details.

*First time buyer offer is available on selected plots only using Stewart Milne Homes deferred payment plan. Subject to status. Terms and conditions apply. Price is based on a 2 bed home at Silver Birches, Alford. Stewart Milne Homes will retain a 15% share. This must be repaid on sale or transfer of your property or after a given period, usually 10 years. If Stewart Milne Homes decides to exercise this option you may have to remortgage or possibly sell your home in order to repay 15% of the value of the property at that time. Repayment of the 15% share is based on open market value at the point of sale or transfer. Typical examples - if the property is sold or transferred for £200,000 then 15% (£30,000) is payable to Stewart Milne Homes. If the property is sold or transferred for £170,000 then 15% (£25,500) is payable to Stewart Milne Homes. The following example is based on a purchase price of £185,995. The amount you will need to pay Stewart Milne Homes on purchase is £158,096 being 85% of the purchase price. Monthly costs based on a repayment mortgage of £148,795 (5% deposit required) and lender's tracker rate currently 3.19% for 2 years from completion reverting to the lender's variable rate for the remaining of the term, currently 3.99%. The overall cost for comparison is 4.0% APR. Interest rate correct as at 17/01/2012. Calculated over 35 years the monthly cost on 3.19% is £588.53 An arrangement fee of £900 payable to the lender on completion and a booking fee of £99 also payable to the lender on application. Early repayment charges apply to the end of the incentive period. The actual rate will depend upon your circumstances. Loans are subject to availability and subject to status. Ask for a personalised illustration. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Approved by Lifetime Planning Ltd, Unit 2 Parkway Court, 291 Springhill Parkway, Glasgow, G69 6GA. Lifetime Planning Ltd are authorised and regulated by the Financial Services Authority.

Approved by First Mortgage Direct Ltd FSA Registration 305741

#90% mortgage rates vary depending on lender, interest rates, property provider price and lender selection criteria.