First Time Buyer Mortgages

Buying your first home is an exciting milestone. Our expert mortgage advisers are here to guide you through every step, from understanding your budget to getting the keys to your new home. And our service is completely free.

Your First Home Awaits

As a first-time buyer, navigating the mortgage market can feel overwhelming. With thousands of deals available from over 70 lenders, finding the right mortgage requires expert guidance.

• Whole-of-market access - We search thousands of deals from 70+ lenders
• Government schemes - Help with shared ownership, Help to Buy ISAs, and more
• Deposit advice - Expert guidance on how much you need and where to find it
• Credit guidance - Tips on improving your credit score for better rates
• Affordability checks - Understanding what you can realistically borrow
• Application support - We handle the paperwork from start to finish

Understanding Deposits

Most lenders require a minimum 5% deposit. On a £200,000 home, that's £10,000. A 10% deposit opens up more options and better rates. A 20% or more deposit typically unlocks the best interest rates and significantly lower monthly payments.

Your Home-Buying Journey

1. Get a Mortgage in Principle - Shows sellers and estate agents you're a serious buyer
2. Find Your Dream Home - Start viewing properties within your budget
3. Make an Offer - We'll help you move quickly with a mortgage already in place
4. Full Mortgage Application - We handle everything from application to completion
5. Get Your Keys - Move into your new home