First Time Buyer

Our Methods

The Best Way We Solve Hardest Problems

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Plan Ahead

Your mortgage should fit your future plans, not just today.

Get Expert Guidance

Personalised advice ensures you choose the right deal with confidence.

Get Started

Begin your home-buying journey with a tailored first-time buyer mortgage.

Buying your first home is a major milestone — and we’re here to make the journey as smooth as possible.

From understanding your options to securing the right deal, we’ll guide you through every step of the process.

There’s a lot to think about as a first-time buyer, from choosing the right property to saving for a deposit. If you’re unsure where to begin, we’ll help you cut through the complexity and find a mortgage that fits your budget and goals — so you can get the keys to your new home with confidence.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

12000+

Mortgage Products

100+

Mortgage lenders

100%

Tailored service

30+

Available insurers

FAQ's

Frequently Asked Questions

1. Am I a first-time buyer?

You’re considered a first-time buyer if you (and any co-buyer) have never owned a property before.
There are several schemes designed to help first-time buyers get on the ladder.
If you’ve inherited a property in the past but haven’t bought one yourself, you’re still classed as a first-time buyer when you make your first purchase.

2. What deposit do I need for a first-time buyer mortgage?

Most first-time buyers need a minimum deposit of 5%.
A larger deposit can give you access to better rates, as lenders see you as lower risk.

Deposits can also come from family gifts, and some lenders allow a family member to act as a guarantor if they already own a property.

3. How much can I afford for my first home?

Your borrowing amount depends on several factors, including your deposit, income, existing credit commitments, and the loan size you need.

Speaking with a mortgage adviser is the best way to understand your affordability. We’ll assess your situation, explain your options, and help you find the right mortgage to fit your budget.

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

Stamp Duty Land Tax (SDLT) depends on the price of the property.
First-time buyers benefit from certain allowances, but if the property exceeds specific thresholds, SDLT may still apply.

You can check the latest stamp duty thresholds on the government website.

We provide reliable, flexible protection and mortgage solutions designed to give you complete peace of mind. Our goal is to secure your future and support your journey—so you can focus on what truly matters.