first-time

First-time buyers will also now have to pay stamp duty on homes costing more than £300,000, whereas before the April change, they did not have to pay the charge unless the property was above £425,000.

The extra choice is a boost for first-time buyers, although house prices and mortgage rates are higher than they were for much of the last 17 years.

Phish, unsurprisingly, won the fan balloting with almost 330,000 votes, Billboard reported last week, but the first-time nominees will have to wait at least another year to get into the hall of fame.

The Las Vegas Raiders have made some dodgy picks down the years, but with veteran head coach Pete Carroll and part-owner Tom Brady to lean on, first-time general manager John Spytek delivered a very solid draft.

Rebellion — the movie can confuse first-time viewers who assume that all masterpieces must be swaggering, visionary totems.