Government Backed Schemes
Government schemes that can help you buy with deposits as low as 5%. We explain which schemes you qualify for and find lenders who participate in these programmes.
First Time Buyers
Buying your first home is one of life's biggest decisions. We work with first-time buyers to find mortgages that fit your situation and help make homeownership achievable.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Mortgages are subject to underwriting and criteria. Check terms and conditions.
This information is for guidance only and does not constitute financial advice.
Getting your first mortgage
Buying your first home affects your whole financial picture. We take time to understand your circumstances and goals, because finding the right mortgage means looking at more than just rates and fees.
What matters most for first-time buyers:
- Understanding which government schemes genuinely support your situation and goals
- Planning for the complete cost of homeownership, not just the purchase price
- Considering how your chosen location will serve your family’s needs over time
- Securing a mortgage that fits comfortably within your means, both now and in the future
- Finding the right property that balances your dreams with practical considerations
- Preparing for the responsibilities and rewards that come with owning your home
Offers flexibility when your life circumstances change. Your payments adjust with your lender’s standard variable rate, typically without early repayment charges, giving you freedom to adapt your mortgage as your family’s needs evolve.
Follows the Bank of England base rate for a set period, providing transparency in how your payments are determined. This option can benefit those who prefer understanding exactly how economic changes affect their mortgage.
Provides the security of knowing exactly what your mortgage payments will be for a set period. This stability helps you plan your family budget with confidence and peace of mind during the early years of homeownership.
Offers reduced payments for an initial period, helping ease the transition to homeownership when you’re establishing yourself. We ensure you understand and prepare for the payment changes when the discount period ends.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Pathways to homeownership:
95% Mortgages
High loan-to-value mortgages that require just a 5% deposit, making homeownership more accessible. We work with lenders who offer these products and understand how to present your application effectively.
Shared Ownership
Allows you to purchase a share of your home while paying affordable rent on the remainder. This path to homeownership grows with you – you can increase your ownership share as your financial position strengthens over time.
First Home Scheme
Regional initiative providing discounts on new-build properties for eligible first-time buyers. We assess whether this scheme suits your needs and help you navigate the application process with participating developers.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
First-time buyers we've helped
We've helped thousands of people buy their first home.
Your homeownership goals are within reach.
Tell us about your situation.
Tell us about your situation and aspirations, and we'll connect you with a specialist who understands your situation.