Deposit Unlock
An innovative way to buy a new home. With Deposit Unlock* you could be in your new Cala home sooner than you think, with as little as a 5% deposit.
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Buying your first home
If you’re dreaming of becoming a first time home buyer, Cala can make it happen.
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.
Mortgage Pay
Take a few moments to relax in your new home without worrying about mortgage repayments. Mortgage Pay is our welcome gift to you, the chance to take a break from your monthly mortgage outgoings.
Ready For You
If you are ready to buy your first home and have a deposit saved then Cala’s ‘Ready For You’ homes could be just what you’re looking for. By choosing one of our' Ready For You' homes, you could complete your purchase and get on to the first rung of the property ladder in as little as 4 weeks.
Stamp Duty & LBTT advice
Not sure where to start with Stamp Duty (England) or LBTT (Scotland)? Find out what you need to know as a first time buyer.
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.
Your own space
Nothing beats having your own space that you can call home.
Enjoy stability
Buying your own home means you don’t need to worry about finding a new place to live if a landlord chooses not to renew your tenancy.
Freedom
When you own a property, you avoid the restrictions renters typically face, such as bans on pet ownership and redecorating.
Investing in your future
Getting a foot on the ladder can be a good long-term investment.
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.
Less maintenance
So you have more money to spend on decorating and making the place your own.
Energy efficient
With energy bills rising, it’s more important than ever to have an energy efficient home, which is also good for the planet.
No chain
Moving somewhere new removes lengthy chains, which reduces the risk of losing the house as a result of delays.
Modern design
Move in with confidence that your new home is ready for you to enjoy and is built for modern day living, giving you the storage space you need and a home that suits you.
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.
