Buying your first home with Cala

Buying your very first home is a big step and a key milestone for anyone. It’s normal to feel anxious about the process, which is why we’ve created this short guide to help you feel more informed about the exciting journey ahead of you.

Help for first-time buyers

Ready to buy your first home?

At Cala there are several ways we can help first time buyers make their first move into home ownership. Take a look below to see how we could help you buy your first home.


Reasons to buy your own home

We think this one speaks for itself but take a look below at some of the benefits associated with buying your own home.


Reasons to buy a new build as your first home

There’s nothing quite like moving into a brand-new home. We sometimes get asked about the benefits of buying new. Some customers tell us that they were attracted by the peace of mind offered by the 10 Year NHBC Buildmark Warranty, others were happy to find that their Cala home was energy-efficient and low maintenance. We’ve listed below some of the top reasons our first-time buyers choose to buy a new build Cala home.


Getting a mortgage

We understand that this part of the process can be a little daunting, but we are here to guide you through your journey every step of the way. Most first-time buyers will need a deposit for a mortgage, which will typically need to be at least 10%.

Once you’ve got your deposit sorted, you’ll need to find out if you can get a mortgage and how much for. Mortgage Advisors, also known as Mortgage Brokers or Financial Advisors, will be able to give you advice on the options you have based on your credit rating, your deposit and your total household income.

Did you know that you could apply for a joint mortgage with parents, friends, or even business partners? Read our blog on joint mortgages to find out more.

Why not discover your borrowing potential with Mortgage Advice Bureau's affordability tool – just input a few details to find out how much you might be able to borrow.

Here's what an Independent Financial Advisor said about mortgage affordability

First Time Buyer Stories

Read about how Cala has helped others buy their very first home.

London-leavers on their great escape from generation rent

London-leavers on their great escape from generation rent

Couple escape renting cycle and land their dream country home

Couple escape renting cycle and land their dream country home

How to throw a housewarming party

How to throw a housewarming party

Keeping active in Oxfordshire

Keeping active in Oxfordshire

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