Your First Home Starts
Here…

Buying your first home is one of the most exciting steps you’ll take — but it can also feel overwhelming. With so many mortgage options and changing criteria, knowing where to start isn't always easy.

As a specialist mortgage broker, we make the process simple, clear, and tailored to you. Whether you’re buying on your own, with a partner, or using a government scheme, we’ll help you secure a mortgage that suits your goals and budget.

What Is a first-time buyer mortgage?

A first-time buyer mortgage is designed for individuals who are purchasing their first residential property, meaning you've never owned a home in the UK or abroad.

These mortgages can come with:

Lower deposit options (from 0%)
Access to government schemes
Preferential rates or cashback offers
Flexible criteria for younger or lower-income applicants

We'll walk you through everything, from how much you can borrow to what documents you need, and we'll be with you all the way to getting the keys.

How we can help

We understand that buying your first home can be daunting. Our role is to simplify the journey and give you full confidence in your decision. We help by:

Explaining how mortgages work (no jargon!)
Calculating exactly how much you can afford
Getting you a Decision in Principle to start house-hunting
Comparing deals from across the market, not just the high street
Guiding you through paperwork, credit checks, and solicitor instructions
Advising on deposit options, including gifted deposits and family help
Supporting you through offer, valuation, and completion

UK Case Study: First-Time Buyer in Leeds

Client:

Solo first-time buyer, employed full time

Property:

£18,000 (from savings and gifted funds)

Mortgage Type:

2-year fixed

LTV:

90%

What We Arranged:

Mortgage of £162,000 on a fixed rate basis
Full affordability assessment and DIP within 24 hours
Advised on using gifted deposit from parent correctly
Liaised with solicitor to smooth out issues on exchange

Result:

Client secured their first flat in under 8 weeks from DIP to completion, confident, informed, and stress-free.

Frequently asked questions

It depends on your income, outgoings, and credit history. Most lenders offer up to 4.5 times your annual income — sometimes more in specific cases.

You’ll usually need at least 5–10% of the purchase price, though a larger deposit can unlock better rates. That being said, there are available products that cater for little to no deposit!

You may qualify for schemes such as Shared Ownership, First Homes, or Lifetime ISAs. We’ll guide you through what’s best for your situation.

Typically: ID, proof of address, payslips or tax returns, bank statements, and details of any existing debts or commitments.

On average, 2-4 weeks, depending on how quickly your documents are submitted and the lender’s processing times.

Take your first step onto the property ladder

Buying your first home is exciting, but the mortgage process doesn't have to be stressful. We'll guide you through every step:

Clear explanation of all your options and government schemes

Help finding the best first-time buyer deals

Support with documents and application process

Expert guidance from application to completion