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.