Some forms of Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
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– More choice, better deals.
First-Time Buyer Mortgage Advice
Taking your first step on the property ladder is a big milestone. We’ll guide you through every stage of the journey – from saving your deposit to getting the keys – and make sure you understand all your options.
We can help you with:
● Understanding deposits and affordability checks.
● Accessing exclusive first-time buyer mortgage deals.
● Government schemes such as Shared Ownership and Co-Ownership.
● Mortgage in Principle certificates to strengthen your offers.
● Full application support until the day you move in.
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This information is a guide only and should not be relied on as a recommendation or advice that any particular Mortgage product is suitable for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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See where you stand in minutes – no credit check required.
The First-Time Buyer Journey
Your path to your first home, simplified:
- Chat with Us – A free initial consultation to understand your goals.
- Find the Right Deal – We compare 90+ lenders to match you with the best option.
- Apply with Confidence – We handle the paperwork and liaise with the lender.
- Get Your Keys – Move in stress-free, knowing we’ve supported you every step.
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Frequently Asked Questions
You don’t have to, but going direct limits your options. We compare over 90 lenders to find the best first-time buyer mortgage deals for you, saving you time, money, and stress.
Tip: Using a broker often unlocks exclusive deals not available on the high street.
This depends on your income, deposit, and financial commitments. Use our free mortgage calculator for an estimate – then we’ll provide a personalised affordability check during your consultation.
Tip: Avoid making large new financial commitments (like loans or credit cards) before applying, as this can affect affordability.
Typically, lenders require proof of ID, address, income (payslips or tax returns), and deposit source. We’ll give you a full checklist so nothing is missed.
Tip: Having your documents organised in advance speeds up your mortgage application.
Most first-time buyers won’t pay Stamp Duty on homes under £425,000. For higher-value properties, reduced rates apply. We’ll guide you through what this means for your purchase.
Tip: Factor in legal fees, surveys, and moving costs alongside Stamp Duty when budgeting.
You may be eligible for schemes such as Co-Ownership (shared ownership) or other deposit support initiatives. We’ll explain how these work and if they’re right for you.
Tip: Government schemes can reduce the size of your deposit or monthly repayments, but not all lenders support them – we’ll help you navigate the options.
Yes – some lenders specialise in first-time buyer mortgages for applicants with little or imperfect credit history. We’ll match you with the right lender for your situation.
Tip: Check your credit report in advance and fix any errors before applying.
Most lenders require at least a 5% deposit, but having 10% or more can give you access to better mortgage rates. We’ll help you understand exactly how much you’ll need based on your circumstances.
Tip: Start saving early and check if you qualify for schemes like Lifetime ISA or Co-Ownership to boost your deposit.