The most common and most likely answer to this crossword clue is the 9 letter word MORTGAGEE
M
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The straight part
We know that "Home-buyer" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case home-buyer = mortgagee.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does MORTGAGEE mean?
MORTGAGEE noun- One who provides a loan secured upon the borrowers' property, the lender in a mortgage agreement.