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First Time Buyers

  • Clear, Step-by-Step Guidance Through the Buying Process
  • Access to a Wide Range of Lenders & First-Time Buyer Deals
  • Friendly Support to Help You Secure Your First Home with Confidence
Get in touch for a free, no-obligation chat about how we might be able to help you.
0115 773 4648

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First Time Buyer Mortgages

Why work with us?

  • Personalised advice – We take time to understand your circumstances, goals, and budget before recommending the right mortgage for you.
  • Clear explanations – No jargon. We’ll explain everything in plain English so you always know exactly what’s happening.
  • Access to a wide range of lenders – We search the market on your behalf, giving you options you might not find on the high street.
  • Support beyond your mortgage – From arranging protection to discussing Wills, we make sure your new home and your future are secure.

How we help first-time buyers

  • Work out how much you can borrow and what you can comfortably afford.
  • Help you understand additional costs (such as stamp duty, solicitor fees, and surveys).
  • Explain the different types of mortgages and which might suit you best.
  • Guide you through government schemes such as Shared Ownership or First Homes, if they apply.
  • Our friendly brokers and admin team will handle the application process for you, keeping things moving smoothly with the lender, estate agent, and solicitor right through to completion.

Your journey, made simple

Buying your first home doesn’t have to be stressful. With our expertise and ongoing support, you’ll always have someone on your side who wants the best for you — now and in the future.

Ready to take the first step?


Contact us today for a friendly, no-obligation chat about your first mortgage.

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First Time Buyer FAQs

Most lenders ask for at least 5–10% of the property price, but having a larger deposit can give you access to more competitive rates. We’ll help you understand what works best for your situation.

On top of your deposit, you’ll need to budget for solicitor fees, surveys, moving costs, and possibly stamp duty (though many first-time buyers qualify for relief). We’ll explain all of this upfront so there are no surprises.

Yes — depending on your circumstances, you might be eligible for schemes like Shared Ownership or the First Homes initiative. We’ll talk you through what’s available and whether you qualify.

That depends on your income, outgoings, and credit history. We’ll carry out an affordability assessment to give you a clear idea of what you can comfortably borrow — and afford.

It’s not compulsory, but it’s strongly recommended. We’ll offer a free protection review so you can decide on the right cover to safeguard your home and your future.

Think carefully before securing other debts against your home. 

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages.