Getting on the ladder
Buying your first home can feel complicated, especially when you're trying to understand deposits, affordability and what lenders look for. We help first-time buyers understand their options and find a mortgage that suits their circumstances, whether you're just starting to explore or ready to apply.
A first-time buyer mortgage is simply a mortgage for someone who has never owned a property before.
While the core process is the same as any mortgage, lenders may offer products tailored to first-time buyers — including lower deposit requirements, cashback incentives, or fee-free packages designed to reduce the upfront cost of getting on the ladder.
Your deposit size shapes which lenders and rates are open to you. Here's what first-time buyers should know:
Many first-time buyers can get a mortgage with just 5% of the property's value — that's £10,000 on a £200,000 home.
A 10% or 15%+ deposit can improve your chances of approval and unlock lower interest rates across more lenders.
Most lenders accept gifted deposits from immediate family — usually with a simple declaration. We'll guide you through it.
Typical income multiple
Most lenders offer around 4–4.5 times your annual income, though some may stretch further in the right circumstances.
Buying with a partner? Your combined income is used, which can significantly increase your borrowing power. We'll give you a realistic picture based on your situation — not a generic calculator.
Six clear stages from first conversation to keys in hand:
A preliminary check to see how much a lender might offer you. Useful when making offers on properties.
Once you know your budget, you can search with confidence.
We submit your application with all the necessary documentation.
The lender values the property to confirm it's suitable security for the loan.
If everything checks out, the lender issues a formal offer.
Your solicitor handles the legal side, and you pick up the keys.
We'll be with you at every stage, answering questions and making sure things keep moving.
You don't have to use a broker — you can go directly to a bank or building society. But here's the difference it can make:
You're limited to that single lender's products and criteria. If they say no, or their rate isn't right, you start again from scratch with the next bank.
Our advice is tailored to your situation — we don't just point you to the cheapest rate; we find the right deal overall.
"We know buying your first home is a big deal, and we take the time to explain things clearly so you feel confident at every step."
From initial questions right through to completion — getting your Agreement in Principle, submitting your application, and keeping everything on track until you collect your keys.
Whatever your circumstances, there's a good chance we've helped someone in a similar position:
Speak to one of our expert advisers today. No obligation, no jargon — just honest, expert advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.