Near you, no matter where you are.
Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Residential
"Everyone starts somewhere. Let's make yours count."
Buying your first home is one of the biggest financial decisions you'll make. We'll guide you through every step — from working out what you can borrow to getting the keys in your hand.
What does a first time buyer mortgage involve?
As a first time buyer, you'll need a deposit — typically a minimum of 5% of the property value — and a mortgage to cover the rest. The amount you can borrow depends on your income, outgoings, and the lender's affordability criteria.
There are a wide range of mortgage products available to first time buyers, including fixed rate deals (where your monthly payment stays the same for an initial period) and tracker mortgages (where the rate follows the Bank of England base rate).
We'll compare the whole market, explain your options clearly, and handle the application from start to finish — including liaising with your solicitor and the estate agent.
Who is this for?
- You're purchasing your first property
- You're unsure how much you can borrow
- You want to understand your deposit options
- You want someone to manage the process and keep things moving
Key points
- Government schemes including Shared Ownership may be available
- Most lenders accept 5–10% deposits for first time buyers
- Your credit history matters — we'll review it before you apply
- We can confirm your maximum borrowing before you start viewing
Common questions
Things people ask us
How much deposit do I need?
What is an Agreement in Principle?
What other costs should I budget for?
How long does the mortgage process take?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
Also Consider
Related mortgage types
Debt Consolidation
If you're juggling multiple debts at high interest rates, consolidating them into your mortgage can significantly reduce your monthly outgoings. But it's a decision that needs careful thought — and honest advice.
Learn more
Home Improvement Loans
If you're planning a renovation, extension, or major improvement, a further advance or remortgage to raise funds could be more cost-effective than a personal loan — particularly if your property has increased in value.
Learn more
Porting (Moving Home)
If you're moving home and still in the middle of a fixed rate deal, you may be able to port your existing mortgage to your new property — keeping your current rate and avoiding early repayment charges.
Learn more