First-Time Buyer Mortgages
Buying your first home is a big step — we make it simple, clear and achievable.
Buying your first home should be exciting, not overwhelming. We guide you from your very first question all the way to the keys in your hand, explaining every step in plain English so you always know what's happening and why.
We look across the whole of market to find a deal that fits your deposit, income and future plans — and we'll help you take advantage of first-time buyer schemes and lender incentives where they're available.
Key features
Low-deposit options
Access lenders offering mortgages from as little as a 5% deposit.
Scheme know-how
Guidance on Shared Ownership, First Homes and other buyer schemes.
Budget clarity
Understand exactly what you can borrow and what it costs each month.
Held by the hand
Your adviser and support team handle paperwork, lenders and solicitors for you.
Is this right for you?
This could be a great fit if:
- You're buying your very first property
- You have a deposit saved (or are close) and want to know what you can afford
- You're unsure which scheme or lender suits you
- You want jargon-free advice and a stress-free process
Frequently asked questions
How much deposit do I need?
Most lenders look for at least 5% of the purchase price, though a larger deposit usually unlocks better rates. We'll show you the options at every deposit level.
Can I get a mortgage with a small income?
Possibly — lenders assess affordability, not just income. We'll match you to lenders whose criteria fit your circumstances.
What costs should I budget for?
Beyond the deposit, plan for solicitor fees, a valuation or survey, and possibly Stamp Duty. We'll walk you through the full picture up front.
You might also like
Even though we were very stressed and probably a handful at times, she remained calm, professional, and incredibly prompt with all her responses. Thanks to her expertise and quick actions, everything went smoothly, and we were able to move into our first home before Christmas.Andreea Imbrea · January 2026 28 clients recommend us
How much could you borrow? Ring and find out.
One short call gives you a real figure instead of an online estimate. No documents needed to have the conversation.
