First-time buyer mortgages, made simple.
Buying your first home is a big step — we make the mortgage part feel easy. From deposit to completion, you’ll have an adviser who explains everything and does the legwork.
Your first mortgage, without the overwhelm
We help first-time buyers understand exactly what they can borrow, what deposit they need, and which lenders are most likely to say yes — before you fall in love with a property.
- Find out how much you could borrow with a free affordability check
- Compare 90+ lenders, including first-time-buyer and low-deposit deals
- Help with government schemes such as Shared Ownership
- We handle the application and chase the lender for you
Your home may be repossessed if you do not keep up repayments on your mortgage. A mortgage is a loan secured against your home.
How much could you borrow?
Illustrative only and not a mortgage offer or a guarantee of borrowing. Figures assume a capital-and-interest repayment mortgage at a constant rate; your actual options depend on the lender, product, credit history and your circumstances. Affordability shown is a guide based on a 4.5× income multiple — lenders vary. Mortgage fees are charged per case and may vary from £99–£999. Your home may be repossessed if you do not keep up repayments on your mortgage.
What’s included
Deposit & affordability
Know your numbers before you start viewing — no guesswork.
Low-deposit options
Including 95% mortgages and schemes designed for first-time buyers.
Decision in Principle
We’ll get you a Decision in Principle so you can offer with confidence.
Protection built in
Make sure your new home is protected from day one.
Three simple steps, and we stay with you after.
Talk to an adviser
A free, no-pressure chat — by phone, video or in person — to understand your goals.
We compare the market
We search 90+ lenders and hand you a clear, jargon-free recommendation.
Complete & stay covered
We handle the paperwork and check in before every renewal — for good.
Get a Decision in Principle — and offer with confidence.
A Decision in Principle shows estate agents and sellers you’re a serious, credit-checked buyer, and tells you exactly what you can spend before you start viewing. We can arrange one quickly, usually with a soft check that won’t affect your credit score.
Common questions
How much deposit do I need as a first-time buyer?
What is a Decision in Principle?
Are there schemes to help first-time buyers?
What will it cost me?
Ready to make it smooth?
Free initial advice, whole-of-market choice, and a team that stays with you long after completion.