First time buyer mortgages

​Your first mortgage doesn’t have to be stressful, we’ll be with you every step of the way.

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Let’s start the adventure

Our team of experts just love helping first time buyers like you - and each knows the insider secrets and best contacts to get you the right mortgage.

  • What can I borrow?

    Lenders will look at how much you earn and your outgoings. As a general rule, multiply your income by 4.5 and you’ll get that magic number.

  • ​Which mortgage is right for me?

    This is where we come in. Our experts will find out all about you, your history and future plans, and let you know.

  • ​How can we help?

    We don’t just pick a mortgage product, we will be by your side until you’ve turned the key in your front door. And we’ll even stick around afterwards (if you’ll have us).

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    Important information

    Your home may be repossessed if you do not keep up repayments on a mortgage or any
    debt secured upon it.

    A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances.
    A typical fee is £495.

    Latest mortgage offers

    We know you’re curious so we’ve picked out some of today’s best mortgage rates to give you an idea which lenders and interest rates could be available to you.

      Latest mortgage best buys

      Based on a property price of £300,000 with a £30,000 (10%) deposit

    • Initial rate
      Overall cost for
    • 1.9%
      then 5.89%
    • 1.94%
      then 3.5%
    • 1.99%
      then 4.34%

    So, how does it all work?


    How much can I borrow?
    Maximum amount you can borrow: £10000
    Best buy mortgages

    First time buyer guides

    Newbie? You’ll feel like an expert in no time with our jargon-busting mortgage guides

    View all

    First time buyer case study

    Hear how Emma joined the hundreds of first time buyers we helped to successfully buy their first home

    Read Emma's story

    • 4.8

      132 reviews

    • Excellent

    • Andrew & Ruth

      We had a great experience working with Anna Vikarska and… Read full review

      Adviser: Anna Viksara September 2021
    • James Stonehill

      Alex Dowding and the rest of his team were fantastic… Read full review

      Adviser: Alex Dowding September 2021
    • Sophie

      This is the second review of my adviser David King… Read full review

      Adviser: David King September 2021