Are you a First-Time Buyer?

Buying your first home can feel overwhelming — but it doesn’t have to be.

We’ll guide you through every step, from working out your budget to getting your keys, making the process simpler, less stressful, and more exciting.

Start Your Journey with Confidence

What Is a First-Time Buyer Mortgage?

A first-time buyer mortgage is designed for those taking their first step onto the property ladder. Whether you’re buying solo, with a partner, or through a government scheme, it’s tailored to suit people without an existing property. We’ll explain your options clearly and help you apply with confidence — from getting an Agreement in Principle to completion day.

Access to Exclusive Deals

Some lenders offer special rates or lower deposit requirements for first-time buyers, helping you get started sooner.

Step-by-Step Guidance

From budgeting to understanding legal costs, we’ll make sure you’re informed and supported the entire way.

Mortgage in Principle

We can help you secure an Agreement in Principle quickly — giving you stronger negotiating power when making offers.

Help with Government Schemes

Whether it's Shared Ownership or the Lifetime ISA, we’ll explain what’s available and how to apply.

Benefits of First-Time Buyer Mortgages

Be Prepared

Things to Consider as a First-Time Buyer

Upfront & Ongoing Costs
From deposits and legal fees to furniture and utility bills — it’s not just the purchase price. We’ll help you budget smartly.

Credit & Affordability
Your credit history and income affect how much you can borrow. If anything’s unclear, we’ll guide you through it.

Property Research
Beyond the house itself, think about schools, transport, amenities, and local safety — it all plays a part in long-term value.

Future-Proofing
Are you buying for now, or the next 5–10 years? Choosing wisely now can avoid the need to move again too soon.

FAQs

Do I need a big deposit to buy my first home?

Not necessarily. Some lenders accept deposits as low as 5%, and there may be schemes to support you. We’ll help you find what suits you.

Can I get a mortgage with a low credit score?

There are lenders who specialise in helping people with limited or less-than-perfect credit — we’ll explore your options.

How long does it take to get a mortgage?

It varies, but from offer to completion can take 8–12 weeks. We’ll keep things moving and update you at every stage.

What’s the difference between freehold and leasehold?

Freehold means you own the property and the land. Leasehold typically applies to flats — you’ll own the property for a set number of years but not the land.

What documents will I need?

Typically ID, proof of income, bank statements, and details of your deposit source. We’ll give you a checklist so nothing gets missed.

First Time Buyer

As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.

Remortgage

Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.

Self Employed

We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.

Buy To Let

From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.