Information for First Time Buyers in Hatfield

Buying your first home is an exciting milestone, and having the right support can make all the difference. At Northwood, we guide first-time buyers through every stage of the journey — from understanding the local market and arranging viewings to making an offer and navigating the buying process. We’re on hand to explain each step clearly, answer your questions, and help keep everything moving smoothly.

To help you feel confident and prepared, download our handy First-Time Buyer Guide, packed with practical advice to support you from search to completion

Our top 5 First-Time Buyer questions answered!

1. How much can I afford to buy in Doncaster as a first-time buyer?

Most lenders will typically offer around 4-4.5 times your annual income, depending on your circumstances, credit history, and outgoings. One of Doncaster’s biggest advantages is affordability - property prices are generally lower than the UK average, meaning many first-time buyers can access houses rather than flats, often with a smaller deposit than would be needed in larger cities.

2. How much deposit do I need to buy my first home?

In the UK, deposits usually start from 5% of the purchase price, although a 10% deposit can unlock better mortgage rates. In Doncaster, lower house prices mean the cash deposit required is often more achievable for first-time buyers, particularly when compared to nearby major cities.

3. What extra costs should I budget for besides the deposit?

Alongside your deposit, you should allow for:

Solicitor and legal fees
Mortgage arrangement and valuation fees
Survey costs
Moving costs
Stamp Duty (many first-time buyers pay reduced or no Stamp Duty, depending on purchase price)

Factoring these in early helps avoid surprises and keeps your purchase on track.

4. Should I use a mortgage broker or go straight to a bank?

Many first-time buyers in Doncaster choose to use a mortgage broker, as they can:

Access a wide range of lenders (including first-time buyer deals)
Advise on affordability and deposit options
Guide you through the full process from offer to completion

This can be especially helpful if you’re unsure where to start or want reassurance.

5. Is now a good time to buy my first home in Doncaster?

Timing the market perfectly is difficult, but Doncaster remains popular with first-time buyers due to affordable prices, steady demand, and good transport links. If your finances are stable and you plan to stay put for several years, buying a first home can be a sensible long-term move rather than waiting for “the perfect moment.”