Persimmon Homes

First time buyers

Buying your first home can seem daunting, but it doesn’t have to be. We're here to help you throughout the whole buying process and with no buying chains and access to schemes specifically for first-time buyers, you can actually find yourself in a great place to begin your journey.

Working out what you can afford

Before you start looking for your dream home, it’s worth working out how much you have to spend, and how much you can realistically afford to borrow. Also check out the schemes available to help you. 

This should include upfront costs like your mortgage arrangement fees, stamp duty, surveys, solicitor’s fees and land registry fees. You may also want to factor in your deposit and the cost of running your new home, plus any furniture or appliances you’ll need to buy in the first few months.

Find how much you can borrow

Unless you’re lucky enough to have the money to buy your house outright, you’ll need to apply for a mortgage. The actual amount you can borrow will depend on your income, credit history, outgoings, and whether you are buying on your own or with others.

Ultimately, this will come down to how much you can afford each month, and finding out how much you need to live on is a good place to start. In a nutshell, this involves writing down your income, then making a note of your outgoings. This simple exercise should give you a rough idea of how much you can afford to repay and will be invaluable when you come to choose a mortgage and a home.

Costs to consider:

  • Mortgage arrangement fees
  • Survey fees
  • Land Registry fees
  • Solicitors and conveyancing fees
  • Your deposit
  • The cost of decorations and furniture

If you’d like a hand calculating your budget, or would like to find out how Persimmon can help you move in for less, please speak to one of our sales team who can put you in touch with an independent financial advisor.


Finishing Touches

Create a look that's as individual as you are. Add the finishing touches to your Persimmon home.

Supporting your communities

Our Community Champions programme was established in 2015 and has already donated more than £3 million to over 3,500 good causes across Great Britain. Every month whilst the programme is running, our 32 regional businesses together give away 64 donations of up to £1,000 each. It's easy to apply for your local good cause.

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Persimmon Homes is delighted to be joining forces with Team GB: the Great Britain and Northern Ireland Olympic Team run by the British Olympic Association, to give away an amazing £1 million to support children across England, Wales and Scotland.

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Our hugely successful Community Champions programme has already donated more than £1 million to good causes in England, Wales and Scotland. Every month we give away 60 donations of up to £1,000 each to local groups and charities.

Showcase your style

Why not share your own photos on Instagram using #lovemypersimmonhome for a chance to win a £100 Next voucher. Visit our Facebook page for terms and conditions.