Searching for your First Mortgage?
A first time buyer is someone purchasing a home for the first time, having never previously owned any property, either independently or jointly with another person.
Your home may be repossessed if you do not keep up repayments on your mortgage.
FIRST TIME BUYER RATES
DEPOSITS
INVALUABLE HELP
WHOLE OF MARKET FOR FIRST CHARGE MORTGAGES
Schemes available to first time buyers
Lifetime ISA
An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.
Shared Ownership
This enables people to buy a share of a property, usually between 25% and 75%, while paying rent on the remaining share. The property is often owned by a local housing association or a housing provider.
Mortgage Guarantee Scheme
This scheme makes buying a home more accessible by encouraging lenders to offer mortgages of up to 95% of the property price (for homes costing £600,000 or less). The government provides lenders with a financial guarantee, while you still need to pass affordability checks to ensure the mortgage is manageable.
Income Booster
Boost your borrowing capacity and increase your income multiple with schemes such as helping hands and Loan To Income (LTI) boost product ranges.
Helping First-Time Buyers Achieve Their Dream Home
Buying your first home is exciting, but it can also feel overwhelming. That's why we're here to guide you every step of the way.
- Expert Mortgage Advice: We help you understand how much you can borrow and find some of the best mortgage deals for first-time buyers.
- Government Schemes Explained: From Lifetime ISA bonuses to Help to Buy and Shared Ownership, we show you how to make the most of available support.
- Step-by-Step Guidance: Learn what documents you need, how affordability checks work, and how to get an Agreement in Principle.
- Credit Score Support: We explain how your credit affects mortgage rates and offer tips to improve it.
- Tailored Solutions: Whether you're buying alone or jointly, we help you explore options that fit your situation.
Start your journey with confidence
Let us make buying your first home simpler, more affordable, and stress-free.