Stress-Free Steps to Comparing Your First Mortgage...

Getting to know you...

At a time that suits you, we’ll arrange an appointment – either face-to-face, by video call, or over the phone, whichever you’re most comfortable with – so we can get to understand your circumstances and needs in more detail.

We search the whole of market.

Now we know a bit more about you and what you want, we’ll search our panel of lenders for the right mortgage. We’re a whole of market broker, which means we’re not tied to one particular lender and have access to the best products from a range of banks, building societies and specialist lenders.

We’ll make our recommendation...

Having found the right mortgage for you, we’ll talk you through it and explain all the features and benefits and how it meets your needs.

With you every step of the way!

Our dedicated team at (name of firm) will be with you all the way through the process – from application to completion. Here for whatever you need, whenever you need it.

Begin your mortgage journey

FAQ: Frequently Asked Questions about First-Time Buyer Mortgages

To qualify as a first-time buyer, you or your co-buyer must have never owned a property before. There are various schemes designed to aid first-time buyers in achieving their dream of homeownership. However, it’s important to note that even if you inherit a property, you’re still classified as a first-time buyer until you buy your first property.

The size of your deposit for a first-time buyer mortgage will depend on whether you use a first-time buyer scheme. Generally, you will need a minimum of 5% of the property value. However, the larger your deposit, the lower the interest rates you may receive, as you are considered a lower-risk borrower. Family members can gift your deposit to you, and some lenders may accept a family member as a guarantor if they own their own property.

The amount you can borrow for a first-time buyer mortgage depends on various factors, including:

  • your deposit amount
  • desired loan amount
  • existing credit commitments
  • home improvement needs

To determine your affordability and borrowing capacity, it’s recommended to consult with a qualified mortgage advisor. Our expert advisors can assist you in finding the right mortgage and guide you through the process. Contact us today to get started.

This depends on the cost of the property, you will have to pay Stamp Duty Land Tax (SDLT) if your property is in certain brackets.

For more information on stamp duty thresholds you can visit the government website here.

Got a different question? Speak to one of our advisors

Get on the Property Ladder with A First-Time Buyer Mortgage.

Buying your first home is an exciting milestone, but it can also be a daunting process. We’re here to guide you through the entire process of securing a first-time buyer mortgage, from finding the right deal to getting the keys to your new home.

Get in touch

With access to the whole of market, we can compare deals from 100+ leading lenders.


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