Bespoke Finance

A collection of in-depth guides for first-time buyers, covering deposits, affordability, mortgage types, bad credit, and special situations like single buyers and shared ownership.

First Time Buyer Guides

First-time buyer guides

Buying your first home involves learning about deposits, affordability, mortgage types, and what lenders look for. Our guides break down each topic into practical, actionable information.


Essential reading for first-time buyers

Start here if you're just beginning your journey:

How much do I need to save for a mortgage deposit?

A practical guide for first-time buyers on working out the deposit you'll need, what "LTV" means in real terms, common minimum deposit levels, and ways to reduce how much you must save.

How to get a mortgage when you're single

A practical guide for single first-time buyers on preparing your finances, building lender confidence, and choosing the right mortgage approach.


Guides by topic

Deposit and savings

Mortgage types and rates

Affordability and borrowing

Special situations

Credit history

Property types


Related first-time buyer resources

Beyond our guides, explore these dedicated first-time buyer sections:


Government schemes and support

Depending on your circumstances and the property you're buying, you may be eligible for government-backed support:

  • Shared Ownership - Buy a share and pay rent on the remainder
  • Lifetime ISA (LISA) - Tax-free savings towards your first home
  • First Homes Scheme - Discounted new-build homes in certain areas

Note: Scheme availability and rules can change. Always check the latest guidance at GOV.UK - First-time buyers


Not sure where to start?

If you're unsure which guide is right for you, ask yourself:

Your situation Start with
Just starting to save? How much deposit do I need?
Buying on your own? Single buyer guide
Worried about credit history? Bad credit guide
Self-employed? Self-employed guide
Confused by mortgage types? Fixed vs variable rates
Want to check your options? Eligibility checker

Important note

Your home may be repossessed if you do not keep up repayments on your mortgage.

Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX