First Time Buyer Mortgages
Expert guidance for your first property purchase
Taking your first step onto the property ladder is an exciting milestone. We specialise in guiding first-time buyers through the mortgage process, making what can feel overwhelming into something straightforward and stress-free.
What Is a First Time Buyer Mortgage?
A first-time buyer mortgage is designed for people purchasing their first home. These mortgages often come with special features, government scheme eligibility, and incentives to help you get on the property ladder, even with a smaller deposit.
As independent advisers, we're not tied to any single lender. This means we search the entire market to find the most competitive rates and products suited to your individual circumstances, whether you're buying alone, as a couple, or with family help.
Is This Right For You?
- Individuals or couples buying their first home
- Those with deposits from 5% upwards
- Buyers looking to use government schemes
- People who want expert guidance through the process
- Those with complex income (self-employed, contractors)
- Anyone wanting to understand their true buying power
How We Help You
Our expert advisers bring specialist knowledge and whole-of-market access to find the best solution for your needs.
Whole of Market Access
We search the entire mortgage market to find the most competitive rates and products suited to your individual needs as a first-time buyer.
Government Scheme Expertise
We'll help you understand and access schemes like the Mortgage Guarantee Scheme, helping you buy with as little as 5% deposit.
Step-by-Step Guidance
From understanding affordability to completing your purchase, we guide you through every stage of the process.
Deposit Advice
We'll explain how different deposit sizes affect your rates and help you find the best option for your budget.
Credit Score Support
Even if your credit history isn't perfect, we know which lenders are more flexible and can help you build your case.
Local & National Service
Based in Hayes, we offer personalised local service with UK-wide reach and comprehensive market expertise.
How It Works
We make the process simple and straightforward, guiding you every step of the way.
Free Consultation
Tell us about your situation, budget, and property goals. We'll explain your options clearly.
Market Search
We compare hundreds of deals to find mortgages suited to first-time buyers like you.
Application Support
We handle the paperwork, liaise with lenders, and keep your application on track.
Completion
We coordinate with solicitors and guide you right through to getting your keys.
Common Questions
How much deposit do I need as a first-time buyer?
The minimum deposit is typically 5% of the property value. However, having a larger deposit (10%, 15%, or 20%) will give you access to better interest rates. We'll help you understand how different deposit sizes affect your options.
Can I get a mortgage with a small deposit?
Yes, mortgages are available with just 5% deposit. The government's Mortgage Guarantee Scheme helps lenders offer these deals. We'll search the market to find the best rates available for your deposit size.
What documents will I need?
You'll typically need proof of ID (passport or driving licence), proof of address, 3 months' payslips, 3 months' bank statements, and your P60 or tax returns if self-employed. We'll give you a complete checklist based on your circumstances.
How much can I borrow as a first-time buyer?
Most lenders will offer 4-4.5 times your annual income, though some may go higher. Your borrowing capacity also depends on your outgoings, credit history, and the type of property. We'll calculate exactly what you can afford.
Do I qualify for any government help?
There are several schemes available to first-time buyers, including the Mortgage Guarantee Scheme for 95% mortgages, Lifetime ISA bonuses, and various shared ownership options. We'll help you understand which schemes you're eligible for.
Ready to Find Your Perfect Mortgage?
Whether you're a first-time buyer, looking to remortgage, or investing in property, our expert advisers are here to help. Get personalised advice tailored to your circumstances.