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First-time buyers

Your first mortgage.
Without the guesswork.

Buying your first home means a lot of questions — and not all of them are about the mortgage.

We'll walk you through the lot. Budget, deposit, costs, what order things happen in, and which lenders are right for you.

One adviser, plain English, no rush.

Free, no-obligation initial review. Response within a day, weekends and bank holidays included.

Experienced Advisers
FCA Regulated
Whole-Market
Evenings & Weekends
Your home may be repossessed if you do not keep up repayments on your mortgage.

Work in the police, NHS or emergency services?

See our specialist guidance

What we actually do

We help with more than the mortgage

First-time buying is the biggest financial decision most people ever make — and the first time they've ever made it. There's a lot to know, and most of it isn't on Google in a form that's actually useful for your specific situation.

Most of our first-time buyers tell us afterwards that the part they valued wasn't getting the mortgage — it was having someone they could phone with any question, however small, and get a straight answer. That's the service. The mortgage is part of it.

Most of our first-time buyers tell us afterwards that the part they valued wasn't getting the mortgage — it was having someone they could phone with any question, however small, and get a straight answer. That's the service. The mortgage is part of it.

A lot of our first-time buyers are in the early years of policing, nursing, paramedic, or fire service careers. If you're on probation, in a training rotation, or your overtime hasn't shown up on your payslips yet, those are situations we deal with all the time. We know how to present early-career emergency services and NHS pay so it's properly assessed, and which lender criteria are most realistic for your situation.

Step by step

How it works for first-time buyers

Good questions

Questions first-time buyers ask us

The minimum is 5% of the property price for most lenders, but the deposit you put down affects two things: which lenders you can access, and what rate you'll get. Putting down 10% rather than 5% typically opens up significantly better rates; 15% opens up more again. We'll show you the difference for your specific situation so you can decide whether saving a bit longer is worth it. Family help — gifted deposits, joint mortgages, guarantor arrangements — is also more common than people realise; we'll explain the options if that's relevant.

It was my first time buying a house and my adviser made it all very clear and totally transparent. I knew exactly what was happening and why. I would highly recommend.
K Goldsbrough

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