In the current economic climate getting that first step on to the housing market can be a very significant challenge.

With the depressed housing market and significantly lower property pricing it does however seem to many like a very good time to take advantage and buy at the so called ‘bottom of the market’.

There are a number of Mortgage products available to help first time buyers including joint mortgage schemes, parental guarantee schemes and ‘easy start’ products which can ease the repayment burden in the early years of a mortgage.