Mortgages for First Time Buyers

Buying your first home is exciting, but for most first-time buyers, the mortgage is the part that feels daunting. The good news is you don't have to work it out alone.

Our mortgage advisers will help you understand how much you could borrow, what your deposit really unlocks, and which deals genuinely suit your situation, then guide the whole application from your first question to collecting the keys.

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First-time buyer mortgages by deposit size

Your deposit sets your loan-to-value (LTV), and that's the single biggest factor in which rates you'll see. Use the tabs below to compare today's lowest true-cost first-time buyer deals across different deposit sizes. The same £100,000 loan is shown in each band, so you can compare like for like.

These tables show illustrative best-buy deals for a typical first-time buyer purchase. Your own rate and options depend on your circumstances. Speak to a mortgage adviser for a personalised comparison.

Explore our first-time buyer resources

We've pulled together everything you need to get mortgage-ready. Whether you want a quick answer, a deep dive, or a real-world example, start here.

First Time Buyer Case Studies

A hub of anonymised first-time buyer mortgage case studies showing how different deposit levels, income types, credit histories and property timelines can affect the mortgage journey.

First Time Buyer FAQ

Answers to common questions first-time buyers ask about mortgage types, deposits, affordability, and the buying process in the UK.

First Time Buyer News

A first-time buyer mortgage news hub covering key updates, market themes and what they can mean for your home purchase plans.

First Time Buyer Guides

Browse our first-time buyer mortgage guides: deposits and government schemes, affordability, mortgage types and rates, credit history, and special situations like single buyers, shared ownership and guarantor mortgages.

How our first-time buyer mortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.

First Time Buyer lenders we work with

As an independent broker we search deals from a wide panel of high-street and specialist lenders, not just one. That means more options for first-time buyers, including lenders who'll consider smaller deposits, varied income, and credit histories.

82+ lenders