First-Time Buyer Mortgage Advice UK

Why Choose Us for Your First Mortgage?

Getting on the property ladder can feel overwhelming, but it doesn't have to be. Our experienced advisors will guide you through the entire process — from checking how much you can borrow to comparing the best fixed-rate mortgage deals and helping you apply with confidence. Not sure where to start? Our first-time buyer guide walks you through every step. You may also benefit from government schemes like Shared Ownership or the Lifetime ISA, and don't forget to budget for stamp duty — though first-time buyers get generous relief. Once you've found a property, protecting your new home with life insurance and buildings insurance is essential.

• Access to exclusive first-time buyer deals — including small deposit mortgages
• Help to Buy & Shared Ownership guidance
• Free mortgage eligibility check before you apply
• We compare mortgage rates from 90+ top UK lenders
• Apply for a mortgage quickly — we handle the paperwork
• Free, no-obligation consultation

How much deposit do I need as a first-time buyer?

Most lenders require a minimum 5% deposit, though 10-15% will unlock better rates. Some government schemes like Help to Buy may allow you to buy with a smaller deposit.

Can I get a mortgage with a low income?

Yes, lenders typically offer 4-4.5x your annual income. We search the whole market to find lenders who may be more flexible with their affordability criteria.

Do I need to pay stamp duty as a first-time buyer?

First-time buyers in England pay no stamp duty on the first £425,000 of properties up to £625,000. This can save you thousands compared to standard rates.

How long does the mortgage process take?

Typically 4-8 weeks from application to offer, though the full process from enquiry to completion usually takes 8-12 weeks.