Mortgages

What difference does it make if you're a first time buyer? Do you get better rates?

What do you earn?  How long have you been in your current career and current job?  What's your credit record like?  How much of the value of the property do you want to borrow?

There are a huge number of factors that affect the rates available to you so either talk to your bank or a broker.

On mortgages only rather than stamp duty etc? I don't think it will make a huge difference. I suppose you have fewer years of paying a mortgage and less likely to have as much capital so that might affect the interest rate you are offered.