FCA Regulated
From 5% deposit
Whole of market
No jargon
Buying your first home
The mortgage market can feel overwhelming when you have never done this before. There are hundreds of lenders, thousands of products, and a mountain of paperwork. That is where we come in. We do the searching, the comparing and the applying. You just need to find a house you like.
We have helped hundreds of first-time buyers get the keys to their first home. Whether you have a 5% deposit or 25%, whether your income is straightforward or complex, we find the right mortgage and guide you through every step.
How we help first-time buyers
What does it cost?
Beyond the deposit, there are several costs to budget for:
- Solicitor fees (typically GBP 1,000 to GBP 1,500)
- Stamp duty (first-time buyers pay nothing on the first GBP 300,000)
- Survey or valuation fees
- Mortgage arrangement fees (some deals have none)
Common questions
How much can I borrow?
Most lenders will lend 4 to 4.5 times your annual income. Some will stretch to 5 or 5.5 times for certain professions or higher earners. We check across the whole market to find your maximum.
What credit score do I need?
There is no single "passing" score. Each lender has its own criteria. If you have had credit issues in the past, we know which lenders are more flexible. A clean credit file with no missed payments in the last 6 years gives you the widest choice.
How long does it take?
From first enquiry to picking up the keys, a typical first-time purchase takes 8 to 12 weeks. We keep things moving by chasing the lender, the valuer and the solicitors so you are not left waiting.
Do I need a solicitor?
Yes, you need a solicitor or conveyancer to handle the legal side of the purchase. We can recommend firms we have worked with before who are reliable and reasonably priced.