Disclaimer

HomeReady is designed to give first-time buyers clear, practical information about the buying journey.

The content on this website is for general information and planning purposes only. It is not personal financial advice, mortgage advice, legal advice, or tax advice.

HomeReady is not authorised or regulated by the Financial Conduct Authority.

Nothing on this site is intended to be a personal recommendation on a regulated mortgage contract. If you need personalised mortgage advice, you should speak to a qualified, FCA-authorised mortgage adviser.

If you submit a support request, HomeReady may introduce you to a mortgage adviser or solicitor. Any such introduction is for convenience only.

It does not mean HomeReady endorses the adviser or solicitor, guarantees the quality or outcome of their service, or that they will take on your matter. You remain responsible for deciding whether to use any third-party professional and for checking they are authorised and suitable for your situation.

The calculators and planning tools on HomeReady are there to help users estimate costs, organise numbers, and understand what may be involved in buying a property.

Any results shown are examples based on the figures entered by the user. They are not guaranteed quotes, offers, approvals, or lending decisions.

Buying a property can involve mortgage criteria, legal checks, surveys, valuations, insurance, affordability checks, and other factors that vary from case to case.

Users should not rely on HomeReady alone when making a final decision about a property, mortgage, budget, or legal position.

HomeReady aims to keep information clear, useful, and up to date, but the property market, lender criteria, costs, and regulations can change over time.

Because of that, some content may become outdated and some examples may not reflect every real-world situation.

HomeReady may link to third-party websites or services for additional information or useful resources.

Those external websites are outside HomeReady's control and may have different terms, privacy practices, and content standards.