First Time Buyer Mortgages

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Your first step on the property ladder!

Buying your first home is often considered to be one of the biggest decisions you make in your life, so it’s important to make sure you get the correct advice when it comes to your mortgage.

With so many other aspects to consider, ensuring you have a mortgage offer in place can be the difference in making your first successful step on the property ladder.

Our professional mortgage advisers have access to the whole of the market, meaning they will be able to find the most suitable first-time buyer mortgage deal for your specific requirements, considering exactly how much you will be able to borrow based on a thorough assessment of your income and expenditure.

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Request A Quote with Dan

It’s easy to get a quote. Simply complete this form and a member of our team will happily be in touch.

Landing pages complex contact form

2 minute online process

Our online form will take no longer than 2 minutes!

Response within 4 hours

We’ll get back to you within 4 hours during office time.

Tracked application progress

Your application is tracked so you can check progress.

Frequently Asked Questions

Here are a few of the commonly asked questions we get.
But if you need something answering you don’t see, contact us.

  • The amount you can borrow depends on how much you earn and how much of a deposit you have to put down. You’ll only be allowed to borrow what the lender thinks you can afford, so as a general rule, they’ll restrict the amount you can borrow if you’re buying on your own to around four times your income, or if you are buying with someone, about three times your combined income. This can vary from lender to lender and will take into account any outstanding debts and other outgoings, so it’s worth chatting to one of our advisors first.

  • The minimum deposit that some lenders will accept is 5% of the property value. However, if you only save this amount then your options could be limited, as most lenders will only offer mortgages to those with a minimum of 10% deposit. For example, if you want to buy a home for £200,000 you’ll need to put down a £20,000 deposit. The more you can afford to put down as a deposit, the wider the choice of mortgages you will have access to and the cheaper they will be.

  • First-time buyers will not pay stamp duty on the first £300,000 of any home costing up to £500,000 (and only 5% on any proportion between £300k and £500k). For properties costing more than £500,000, you will be buying under the standard system.

  • Yes – you may have to pay an arrangement fee on your mortgage, which are normally around £1,000. You’ll also need to factor in any legal bills and any moving costs too.


Our process is simple

From business to personal, we are experts in providing loans, mortgages and insurance services.

  • Apply Online directly with our team of experts.
  • Get a quote from top UK lenders.
  • Approve your finance.
Our Customers Rate Us Highly

“Great communication and made everything easy. Highly recommend”

Amy B

“Brilliant service and Luke made the process easy and pain free”

Marco M

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