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)
Purchase Price:
£275,000
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..