first time buyer mortgage

Mortgage brokers for first time buyers

We help first-time buyers secure the right mortgage deals — fast and stress-free from application to approval, we handle everything for you.

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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Why choose us

Need help buying your first home?

We specialise in helping first-time buyers get the right mortgage without the stress. Here’s why people choose us:

  • Exclusive first-time buyer rates
  • Stress free mortgages for first time buyers
  • Fee Free, no-obligation chat today
  • Appointments 7 days a week from 8am - 8pm

Save Time

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

Save Money

Access better mortgage rates and lower fees, saving you hundreds on your monthly payments and thousands over your mortgage term.

Get Exclusive Rates

As experienced mortgage brokers, we can access thousands of mortgage deals — including exclusive offers you won’t find direct with lenders.

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100% of reviewers recommend

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What we can help with

Navigating the mortgage process can feel overwhelming — thousands of rates, complex terms and endless paperwork. We do the hard work, so you don't have to.

  • First time buyer mortgages
  • Government & shared-ownership schemes
  • Help-to-buy alternatives
  • 5% deposit mortgages
  • Right to buy mortgages
  • New build mortgages
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What ghldirect does

Finding your first mortgage doesn’t have to be stressful. We specialise in helping first-time buyers save time, money, and hassle — from start to finish.

  • First time buyer scheme mortgage advice
  • See how much you can borrow
  • Exclusive first time buyer mortgage rates
  • Fee Free, no-obligation chat today
  • Appointments 7 days a week from 8am - 8pm
  • Trusted first time home buyer mortgage brokers
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 find a mortgage

Not sure how to get a mortgage? Let our friendly mortgage brokers take the stress out of buying your first home.

Book your call