First-time Buyer Mortgages
Designed for people buying their first home, with access to lower deposits, government schemes, and specialised support.
Join thousands of happy home owners
We've helped thousands find their dream home. Buying a house can feel overwhelming, but we're here to guide you every step of the way. Join our growing community of happy homeowners.
Trusted by homebuyers across the UK
Ava
Amazing help from start to finish. The process felt so smooth.
Liam
Fast and professional. They explained everything in plain English.
Sophie
Took the stress out of remortgaging — thank you!
Noah
I never thought it could be this simple to find a broker.
Isla
Clear advice and no pushy sales tactics. Loved it.
Oliver
Great service, always responded quickly and clearly.
Mia
Even helped with documents I wasn’t sure about. Legends!
Jacob
They found me a better deal than my own bank.
Freya
Excellent communication and guidance throughout.
Ethan
Friendly, fast, and sorted in days. Highly recommend.
Grace
Told me everything I needed to know, without jargon.
Harry
Helped me buy my first home with confidence.
Luna
Got everything approved in no time. Thank you!
Leo
The whole process was way easier than I expected.
Emily
Best mortgage support I’ve ever had. Genuinely helpful.
Oscar
Quick, responsive, and saved me money.
Poppy
They really listened to my needs. So grateful!
Archie
Knowledgeable and super friendly team.
Daisy
Everything done online. Very easy and efficient.
James
They explained everything clearly and simply.
Rosie
Great rates and honest advice.
Theo
Their mortgage calculator was spot on.
Chloe
No pressure at any stage. Just good advice.
George
I felt supported from beginning to end.
Millie
They helped me switch to a better deal in days.
Lucas
Super quick and very professional.
Ella
I was nervous about buying, but they made it so easy.
Harrison
No spam, just good honest help.
Zara
Really impressed with the whole experience.
Logan
They got back to me super fast. Great experience.
Erin
Amazing support and great communication.
Reuben
Didn’t charge me a thing and still went above and beyond.
Mila
So easy to use. Highly recommend.
Benjamin
Made the complex stuff simple. A+ service.
Florence
They knew the market better than I ever could.
Sebastian
Always kept me updated. No chasing needed.
Maisie
Every email was answered the same day. Brilliant.
Adam
Took care of everything behind the scenes.
Holly
Their advisor was so patient and knowledgeable.
Rory
I'd use them again without hesitation.
Imogen
No hassle, just helpful mortgage advice.
Tommy
Top marks across the board. Thanks again!
Bella
Made moving house 100x less stressful.
Edward
Brilliant from day one. Cheers!
Your first step to homeownership
Buying your first home is a significant milestone. Our expert advisors specialize in helping first-time buyers navigate the mortgage process, access special schemes, and find the most affordable deals available.
Why choose a first-time buyer mortgage?
First-time buyer mortgages often come with special incentives, lower deposit requirements, and access to government schemes designed to help you get on the property ladder.
Key benefits for first-time buyers
Discover the advantages of specialised first-time buyer mortgages and how they can help you achieve homeownership.
Lower deposit requirements
Many lenders offer mortgages with as little as 5% deposit for first-time buyers, making it easier to get on the property ladder.
Access to government schemes
First-time buyers can access special government programs like Help to Buy, Shared Ownership, and the Lifetime ISA to boost their buying power.
Stamp duty relief
First-time buyers can benefit from stamp duty relief on properties up to £425,000, potentially saving thousands in tax.
Understanding the market for first-time buyers
The housing market presents unique challenges for first-time buyers. Here's what you need to know about the current landscape.
The First-time Buyer Challenge
First-time buyers face significant challenges in today's market. With rising house prices, saving for a deposit while paying rent is increasingly difficult. The average first-time buyer now needs to save for nearly 8 years to afford a deposit, compared to just 3 years in the 1990s.
Government Support for First-time Buyers
The UK government offers several schemes to help first-time buyers get on the property ladder. These include Help to Buy, Shared Ownership, and the First Homes scheme, which can provide significant financial assistance and make homeownership more accessible.
Barriers to Mortgage Approval
Getting a mortgage isn't just about saving a deposit. Many first-time buyers are turned down due to credit history, income type, or lack of guidance. Understanding what lenders look for can help you avoid common setbacks and improve your approval odds.
Ready to Buy Your First Home?
Get matched with a trusted advisor today who specializes in first-time buyer mortgages.
80% of UK mortgages go through a broker. Book a free call back today.
Applying through a broker significantly boosts your chances of approval compared to approaching lenders directly. Let our experts guide you to success.
- Expert advice
- Higher approval
- Free service