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# Take your first step onto the property ladder.

Buying your first home is a big step, but it shouldn’t feel out of reach. StrideUp gives you a clear and practical way to move forward, with guidance you can trust and a process that feels simple from start to finish.

## Why first-time buyers choose StrideUp

Buying your first home isn’t just about finance. It’s about having a partner who understands what you’re trying to do: find the right home, build something for the future, and feel confident doing it.
Read our guide to halal home finance for first-time buyers.
Clear from day one
No hidden jargon, no surprise steps. You always know where you stand and what comes next.
Flexible affordability
Whether you’re saving, combining incomes, or self-employed, we look at real circumstances to remain flexible.
Speed when it matters
On average, most people receive their Decision in Principle the same day, and full offers typically arrive within two weeks*.
Guidance you can trust
With StrideUp, you get a dedicated team member who supports you from your application right through to picking up your keys. Every adviser is CeMAP qualified and takes the time to understand what’s right for you, not just what fits on paper.
Shariah-certified
Our Home Purchase Plan is certified by Amanah Advisors, ensuring it meets recognised Islamic finance principles and remains aligned with your faith from start to finish.
FCA regulated
StrideUp’s Home Purchase Plan is regulated by the Financial Conduct Authority (FCA), which means StrideUp must follow the standards and protections required of regulated finance providers. The FCA does not endorse the company or approve individual products.
All information above is subject to status and StrideUp’s criteria.
*Your actual finance amount and timescales may vary.

## Explore your first home finance options

Buying a home is a big commitment, and understanding your numbers early helps you plan with confidence. Use our calculator to see how StrideUp’s Home Purchase Plan could work for you.
What’s the property value?
£
How much is your deposit?
£
Select a fixed term
2 years
5 years
Term length
30 yrs
10 yrs
40 yrs
Back to overview

Term length | Initial rate | Product fee | Estimated payment
--- | --- | --- | ---
2 years fixed | 0% | £1,249 | £ 0 monthly for first 24 months
5 years fixed | 0% | £1,249 | £ 0 monthly for first 60 months

2 years fixed breakdown
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
5 years fixed breakdown
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
Subject to status and criteria.
Your rate
–
Monthly payments
–
Representative example
Your rental rate isn’t interest – it’s the cost of using StrideUp’s share of your home.
Compare fixed terms

### Your initial rate is 0%

Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges. Subject to status and criteria.
Compare fixed terms
One-off product fee
£1,249
Finance-to-value
83.3%
Deposit
Financing
This shows how your deposit and finance could work together to cover your home’s value, as long as you meet our financing criteria.
Let’s take another look at your options
Based on the details provided, you don’t currently meet the criteria for this product. Adjust your details to try again, or speak to our team to explore what other options might work for you.
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Eligibility criteria
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##### Important information

This is a representative example to help guide you. The rate and finance amount you receive will depend on a full review of your circumstances, including affordability, credit history and property details. Rates and terms are subject to change or withdrawal without notice.

## Email estimate

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Two years VRR
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Five years total term
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## Understanding terms as a first time buyer

We know home buying terms can sound confusing at first. Here’s a quick guide to some you’ll see along the way.

Decision in Principle (DIP)

Your first step with StrideUp. A quick check that shows how much you could finance, without affecting your credit score.

CeMAP qualified adviser

A UK-certified professional qualified to give mortgage and Home Purchase Plan advice. Every StrideUp adviser holds this qualification. Our advisers only provide advice on StrideUp’s Home Purchase Plans.

Finance-to-value (FTV)

The portion of your home that’s financed by StrideUp compared to your deposit. For example, if you put down 10% deposit, your FTV is 90%.

Rental rate

This is the cost of using the share of the property you don’t yet own, not interest.
At the start of your plan, you’ll agree to a fixed term period (for example, two or five years) where your rental rate stays the same each month. It helps you plan ahead and know exactly what you’ll pay.
When that fixed term ends, your plan moves to a variable rental rate, which can change from time to time. Typically, y ou can always choose another fixed period later if you’d like your payments to stay steady again, which will include a new product fee.

Valuation fee

A fee you pay upfront for an independent surveyor to confirm your property’s market value and suitability for your plan. StrideUp arranges the valuation once you have paid this fee.

Stamp Duty Land Tax (SDLT)

A government tax you pay when buying property above a certain price. The amount depends on your property value and whether you already own another home. Your solicitor will calculate this for you during the process.

Product fee

A one-off charge linked to the specific deal or term you choose. It covers the cost of arranging your finance, and it sits alongside other costs involved in buying a home, such as solicitor fees, valuation fees, and any additional charges depending on the property and your application.

Conveyancing

The legal side of buying a home. Your solicitor handles all the checks, contracts and fund transfers to make sure everything is secure.

Searches

Reports ordered by your solicitor to check things like local planning issues or environmental risks before you buy.

## Your journey. Step by step.

Buying your first home isn’t just about finance. It’s about having a partner who understands what you’re trying to do: find the right home, build something for the future, and feel confident doing it.

1
Get your Decision in Principle (DIP)

Start with a quick online form to see what you could finance. It takes just a few minutes and doesn’t affect your credit score. No pressure, no obligation.

2
Talk to us

Have a short call with our team to ask questions, sense-check your options and feel confident about what comes next. We’ll guide you through everything.

3
Find your home

This is the exciting part. You’ve done the prep, you know your budget and what you need. Now it’s time to find the home that feels right to try make it yours.

4
Apply

When you’re ready, let us know. We’ll work on your application together, and if everything aligns, this is where underwriting begins and things start to mo ve. At this stage, you’ll pay the product fee, followed by your valuation fee so we can progress your case. If your property or finance amount changes later, an updated fee may apply.

5
Solicitor and searches

Once your offer is out, the solicitors takes care of the legal work, including conveyancing, contracts and property searches. As part of the process, both you and StrideUp will have your own solicitor to ensure everything is handled correctly and transparently. It can take time, but we’ll keep you updated so you always know where things stand. The cost of both the solicitors is paid by you.

6
Pick up your keys

Transfer your deposit, complete the final steps with the solicitors and get ready to move into your new StrideUp home. The journey doesn’t end here, it’s where your home ownership begins.

## More highlights
At a glance

Fast decisions
Up to 90% finance-to-value
No waiting list
Shariah-certified
Up to 4 applicants
Deposit from 15%
Multiple income types
Self-employed welcome
Zero-hours contracts
Wide range of properties
Flexible for contractors
FCA regulated

## People also ask…

Here’s some of the most common questions we’re asked about our Home Purchase Plan.

### How much deposit do I need?

You can start with a minimum 10% deposit, which becomes your share of the home from day one.

### Can I apply with family or friends?

Yes. Up to four applicants can apply together, combining incomes to make home ownership more achievable.

### How long does the process take?

Most people receive their Decision in Principle on the same working day, and full offers typically in just over two weeks, depending on documents and property checks.

### Is StrideUp’s Home Purchase Plan halal?

Yes. Our plan is certified by Amanah Advisors and avoids interest entirely through a co-ownership structure based on Islamic principles.

### What is a halal bank loan or shariah-compliant loan?

A halal or shariah-compliant finance agreement is one that avoids interest and is structured around ethical principles such as shared risk, asset-backed and transparency. Instead of lending money for profit, a Muslim bank finance agreement typically involves buying an asset, entering a partnership, or charging rent for usage of an owned share. The focus is on fairness and real economic activity, rather than profit from debt.

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## Your StrideUp home is waiting for you.

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## This call is for investment finance only

Investment calls are for Buy to Let properties only.

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If you’re looking to purchase or refinance your own home, explore home finance instead.

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