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However, the lowest rate deals will not be available to all borrowers, particularly first-time buyers, and may come with a hefty fee.

But after six years of saving, the first-time buyers lost their £21,000 deposit after the new-build apartments were devalued by mortgage lenders they approached.

"We were first-time buyers and relatively new to the UK, so we weren't really aware of how it worked," says Mr Marini, originally from Brazil.

Celine Dion musical Titanique won two prizes, best new entertainment and comedy play and best supporting actor in a musical for first-time nominee Layton Williams.

A pair of critically endangered giant tortoises aged about 100 years old have become first-time parents at Philadelphia Zoo.