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 full affordability check
- Compare 90+ lenders, including first-time-buyer, low-deposit and 0%-deposit deals
- Help with government schemes such as Shared Ownership
- We can make the offer to the estate agent on your behalf
- Solicitor referral — we work with trusted firms
- Buildings insurance & protection arranged in one place
- 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 — and check schemes that need 0% deposit.
Low- and 0%-deposit options
Including 95% mortgages, 100% loans with select lenders, and family-assisted deals.
Decision in Principle
We’ll get you a Decision in Principle so you can offer with confidence.
Offer & solicitor
We can make the offer for you and refer you to a trusted conveyancer.
Protection built in
Life, income protection and buildings cover — all sorted in one place.
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?
A no-obligation consultation, whole-of-market choice, and a team that stays with you long after completion.