First-time buyers in the UK are the group least affected by current problems in the mortgage market, according to an expert.
Paul Holmes, operations director of Firstrung, said that the average home loan for people buying their first property has been £115,000, while many of them also buy a home with their partner.
He went on to explain that this means that, as long as both parties are in work, the repayments are generally manageable.
"The first-time buyers who have managed to buy over the last couple of years have done it very conservatively. It's people with £250,000 plus mortgages who have got the real problems," Mr Holmes added.
"First-time buyers are the least likely group to be repossessed full stop, because it is their home they have recently bought it and they can generally afford it."
A recent report from the Ministry of Justice found that the credit crunch has seen people having to pay more for their mortgage.
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