first time buyer mortgage advice

Take the Stress Out of Buying Your First Home

  • Find out what you can borrow
  • Access exclusive first-time buyer rates
  • We handle all the paperwork for you
SPEAK TO A MORTGAGE ADVISER
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first time buyer mortgage
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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Why choose us

Why First Time Buyers Choose Us

  • Rated 4.98/5 by over 2,700 happy clients
  • Dedicated adviser from application to approval
  • Appointments available within the hour, 7 days a week
  • Access to 50+ UK lenders

Save Time

Skip the research and paperwork. We compare mortgage deals, prepare your application, and manage the process from start to finish.

Save Money

Access competitive mortgage rates and deals from across the market — helping you avoid overpaying over the life of your mortgage.

Get Expert Support

Our specialist first-time buyer advisers guide you through every step — from application to getting your mortgage approved.

Securing first homes for UK buyers since 2009

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What we can help with

We support first-time buyers across a wide range of mortgage options and schemes, helping you find the right solution for your situation.

  • First time buyer mortgages
  • Shared ownership mortgages
  • 5% deposit mortgages
  • Right to Buy mortgages
  • New build mortgages
  • First Homes Scheme guidance
  • Help to Buy alternatives
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Why first time buyers choose us

Buying your first home can feel overwhelming — we make it simple, fast, and stress-free from start to finish.

  • Find out how much you could borrow
  • Dedicated first-time buyer specialists
  • Support from application to approval
  • Appointments available 7 days a week
  • Rated 4.98/5 by over 2,700 happy clients
BOOK YOUR FREE CALL
FAQs –

First time buyer mortgages

First time buyer mortgages are for people who are new to the housing market. These types of mortgages typically have lower interest rates and are more flexible terms than other types of mortgages.

Generally, you are considered a first time buyer if you’re buying a property you plan to live in as your main residence and you’ve never owned a property before.

Your borrowing power depends on your income, outgoings, and credit history. We can quickly calculate how much you could borrow and what you can comfortably afford.
Most first-time buyers need at least 5–10% of the property value, but schemes like Help-to-Buy or shared ownership can reduce this. We’ll show you all your options.
Yes — there are mortgage options for smaller deposits or less-than-perfect credit. Our brokers can find deals tailored to your circumstances.

We guide you through Help-to-Buy, shared ownership, government-backed schemes, and other low-deposit alternatives to make your first home more affordable.

With the right advice and complete paperwork, most first-time buyers can get mortgage offers in a few weeks. We manage the process to keep it as fast and stress-free as possible.

There are several types of mortgages to suit different needs:

  • Fixed-rate mortgages – your interest rate stays the same for a set period, giving predictable monthly payments.

  • Variable-rate mortgages – rates can change with the market, which may make payments go up or down.

  • Tracker mortgages – your rate follows the Bank of England base rate plus a set margin.

  • Help-to-Buy or government-backed mortgages – low-deposit options designed for first-time buyers.

  • Interest-only mortgages – pay only the interest for a period, then the capital, usually suited to specific financial plans.

Our brokers can explain each type and help you find the best option for your first home.

A Mortgage in Principle (MIP) is a written estimate from a lender that shows how much they’re likely to lend you based on your financial details.

It’s not a formal mortgage offer, but it gives you a good idea of your budget and helps demonstrate to sellers and estate agents that you’re a serious buyer.

Ready to get your first mortgage?

Speak to a friendly mortgage adviser and find out what you can borrow — we’ll guide you through every step.

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