First-Time Buyer Mortgage Advice UK
Get on the property ladder with expert, fee-free mortgage advice. We'll help you check your mortgage eligibility, find the best deals — even with a small deposit — and apply for a mortgage quickly and easily.
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 using our mortgage eligibility calculator to see how much you can borrow, to comparing the best fixed-rate mortgage deals and helping you apply for a mortgage quickly with confidence. You can even get a mortgage with a small deposit from major UK providers.
- 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
Step 2 of 4
Tell us about the property
Estimates are fine — we'll refine the numbers together.
Your home may be repossessed if you do not keep up repayments on your mortgage.
First-Time Buyer FAQs
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.