You’ve been searching Rightmove and Zoopla for your dream home and have come across the phrase ‘Share of Freehold flat’. ‘What does it mean?’ you ask, and luckily for you, I’m here to finally answer the question which leaves many first time buyers confused yet intrigued.

You only need to turn on the TV to hear the phrase ‘cost of living crisis in the UK’ but if you’re just about to buy your first property then it may be even more important to you to make sure you’re not wasting money anywhere unnecessary.

When it comes to getting a mortgage as a first time buyer, there are two main routes most people go down; going direct to a single bank to see if they can offer you one of their mortgages, or using a mortgage broker that has access to numerous different mortgages options.