First-time buyer

Support for your first home purchase

Begin your home-buying journey with first-time buyer mortgage advice

Buying your first home is an important step, and understanding your mortgage options can help you make informed decisions. We provide mortgage advice for first-time buyers, explaining how different products work and what lenders may consider when assessing an application.

From exploring available options to submitting an application, we guide you through each stage of the process and explain what to expect. This includes discussing deposits, affordability, and the types of mortgages that may be available based on your circumstances.

If you are unsure where to start, we can help you understand the steps involved and the factors lenders consider. Our role is to provide clear explanations and support so you can decide which option may be appropriate for your needs and financial situation.

4 Steps to Comparing Your Mortgage

Finding the right mortgage doesn’t have to be complicated.

Step 1

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Step 2

Look Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Step 3

Plan Ahead

Your mortgage should fit your future plans, not just today.

Step 4

Get Expert Guidance

Personalised advice ensures you choose the right deal with confidence.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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Mortgage lenders

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Tailored service

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Available insurers

STILL NOT SURE?

Frequently Asked Questions

1. Am I a first-time buyer?

You’re considered a first-time buyer if you (and any co-buyer) have never owned a property before.
There are several schemes designed to help first-time buyers get on the ladder.
If you’ve inherited a property in the past but haven’t bought one yourself, you’re still classed as a first-time buyer when you make your first purchase.

2. What deposit do I need for a first-time buyer mortgage?

Most first-time buyers need a minimum deposit of 5%.
A larger deposit can give you access to better rates, as lenders see you as lower risk.

Deposits can also come from family gifts, and some lenders allow a family member to act as a guarantor if they already own a property.

3. How much can I afford for my first home?

Your borrowing amount depends on several factors, including your deposit, income, existing credit commitments, and the loan size you need.

Speaking with a mortgage adviser is the best way to understand your affordability. We’ll assess your situation, explain your options, and help you find the right mortgage to fit your budget.

4. Do I need to pay stamp duty as a first-time buyer?

Stamp Duty Land Tax (SDLT) depends on the price of the property.
First-time buyers benefit from certain allowances, but if the property exceeds specific thresholds, SDLT may still apply.

You can check the latest stamp duty thresholds on the government website.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: [XXXXXXX].