First Time Buyers

How to apply for a first-time mortgage

Here are simple steps to follow as a first-time buyer. We can help you if you find any issues from the following steps.

Identify how much you can borrow using our mortgage calculator.
Calculate how much deposit you can afford. A 5% deposit (otherwise known as a 95% LTV) is usually the minimum lenders will accept. However, interest rates become more favourable once you reach the 10% deposit mark.
Make sure your first-time buyer budget has enough room to cover essential payments such as legal fees and mortgage protection.
Speak to one of our mortgage advisers who will be happy to assist you in your homebuying journey.

Learn how to get your first mortgage, with expert guidance from our mortgage advisers

What we Do

We help first-time buyers across the UK secure their dream of homeownership.

Your Financial Situation

No matter if you're self-employed, or of retirement age, our team of mortgage brokers is here to help with fee-free mortgage advice.

Need To Know, when applying for your first mortgage

Here are the things you need to know when applying for your first mortgage.

When comparing mortgage rates, you’ll inevitably search online for the best first-time buyer mortgages in the hope of finding the cheapest rates on the market. It’s a natural and logical action to take.

The reality, however, is that the excellent mortgage rate you know your friend just landed with NatWest might not be the same mortgage rate you might qualify for. Conversely, you may find your mortgage rate trumps theirs.

The factors that may influence this could include:

The size of your deposit compared to the value of the property (known as loan to value or LTV)
How long you intend to stay in the home
If you want your monthly payments to stay the same
Money from your parents or grandparents
Pay rises, bonuses, or inheritances

Mortgage lenders often provide incentives, such as cashback and fee-free mortgages for first-time buyers. Our mortgage advisers are ideally placed to potentially find these sorts of deals for you when applicable and/or relevant.

Very professional and knowledeable. They found several ways to speed up our mortgage process

Very professional and dedicated team. Help is always one phone away.

Have recommended many of my friends and family members. and every one has found the best service.

First Time Buyers