First-Time Buyer Mortgages
Clear, calm support for your first home purchase
Buying your first home is a big step—and while it’s exciting, it can also feel like a lot to take in. A first-time buyer mortgage is designed to help people get onto the property ladder for the very first time.
There’s no shortage of options out there, and that can be overwhelming. My job is to guide you through the process clearly and calmly, helping you understand what’s possible, what to expect, and how to move forward with confidence.
Is This Right for You?
You might be looking at a first-time buyer mortgage if:
- You’ve never owned a home before and want to understand your options
- You’re feeling unsure how much you can borrow or how deposits work
- You’ve been saving and are now ready to take that next step
- You want someone to explain it all without the jargon
- You’re nervous about making a mistake—and want to get it right
Download your free mini guide
Discover the 5 things you need to consider before applying for a mortgage as well as the key milestones along the way.
Frequently Asked Questions
Most lenders ask for a deposit of at least 5–10%, though more can give you access to better rates. I can help you explore options based on what you’ve saved — and any support schemes that might apply.
This depends on your income, outgoings, credit history and more. I’ll work with you to give you a realistic view upfront, so there are no surprises later.
Typically: proof of income (payslips or accounts), bank statements, ID, and details of any debts or savings. I’ll give you a clear checklist and help you get everything in order.
Yes! Many buyers use gifted deposits from family. Some schemes also offer help, depending on your circumstances.
Not everyone has a spotless credit history — but that doesn’t always mean you can’t get a mortgage. Some lenders are more flexible than others, especially if you’ve taken steps to improve your finances. I can help you understand how your credit score might affect things, and which lenders may still be open to working with you.
How I Can Help
Your first mortgage doesn’t have to feel overwhelming
I’ll help you understand your options, gather what you need for your application, and keep things moving with no stress and no jargon. You’ll never be left guessing what’s next — just real, personal advice you can count on.