What Are First-Time Buyer Mortgages?
Most High Street Banks, Building Societies, and specialist lenders offer first-time buyer mortgages. Many lenders provide incentives such as:
- Lower fees
- Reduced rates
- Cashback to help with costs
- Low deposit mortgages (and in some cases, no deposit options, subject to criteria)
- Enhanced income assessments to improve affordability
How We Can Help
- Work out your budget – We’ll calculate how much you could borrow and explore deposit options, including low deposit mortgages.
- Explain the costs clearly – From Stamp Duty (where applicable) to lender fees, solicitor fees, and moving costs.
- Find the right deal – From our wide panel of lenders, securing the most suitable mortgage for you.
- Handle the process for you – Including liaising with selling agents under our Help to Offer service and working alongside your solicitors.
- Keep it stress-free – Clear, honest updates and friendly advice from our expert team.
First Steps When Buying for the First Time
Getting started doesn’t need to be daunting. Here are 5 key steps to get purchase-ready:
Check your Credit Score
Lenders review your credit history when assessing your application. Check your report and make improvements like registering on the voters roll or reducing existing credit.
Gather the right documents
Prepare these in advance:
- Proof of income (payslips or accounts/tax returns if self-employed)
- Recent bank statements
- Proof of ID and address
Work out how much you can afford
Knowing your budget helps focus your property search. Use our Affordability Calculator for a quick estimate.
Explore mortgage options
We compare deals across multiple lenders to find the most suitable option for your circumstances.
Get an Agreement in Principle (AIP)
An AIP shows sellers you’re serious and can help you stand out. We can arrange this quickly so you’re ready to view homes with confidence.
Why Choose 
?
- Friendly advice from expert advisers every step of the way.
- Access to exclusive first-time buyer mortgage deals.
- Solutions for complex circumstances or adverse credit histories.
- A smooth, stress-free process from start to finish.
Ready to get started?
Contact UsHome Buying AppStamp Duty CalculatorFirst-Time Buyers Guide
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £495.