First Time Buyer Mortgages

A clear path to your first home

Buying your first home is a major milestone, and the right guidance makes all the difference. We provide clear, structured advice that helps you understand your options and move forward with confidence.

What you can expect:

Straightforward explanations without jargon
Bespoke mortgage advice tailored to your goals and budget
Support securing an Agreement in Principle
Expert guidance from your first enquiry to completion

We position you for success from the start, helping you avoid common pitfalls and secure a mortgage that supports your long‑term plans.

Speak to a Mortgage Expert

Frequently Asked Questions

How much deposit do I actually need to buy my first home?

Most lenders ask for at least 5–10% of the property price as a deposit, though some lenders offer 0% deposit options in certain cases. A larger deposit can still help you get a better interest rate. We can also guide you through First Time Buyer incentives or schemes like Shared Ownership or Lifetime ISAs to make it more manageable.

Can I get a mortgage if I don’t have a perfect credit history?

Yes. Lenders look at your overall financial situation, not just your credit score. We can help identify which lenders are most likely to offer you a mortgage and guide you on steps to improve your chances.

Why do I need an Agreement in Principle and can you help with that?

An Agreement in Principle (AIP) shows how much a lender is likely to lend you and gives you confidence when making an offer on a property. It will be required when putting in offers and also lets sellers and estate agents know that you’re a serious buyer. We can guide you through the process, help you get your AIP quickly, and ensure it accurately reflects your financial situation.