Free First Time Buyer Mortgage Advice From Qualified Experts

Authorised and regulated by the Financial Conduct Authority

Is This Right for You?

You’re buying your first home and don’t know where to start

You want to understand how much you could borrow and what you can afford

You’re unsure how deposits, mortgages, and affordability work

You want clear guidance before speaking to estate agents

Get clear, tailored advice on borrowing, deposits, and affordability - so you can move forward with confidence.

See what you could afford as a first-time buyer

Get an estimate of how much you can borrow in under 60 seconds

Use our borrowing calculator to get an initial estimate. For a precise figure, we recommend speaking with an adviser.

This calculator provides an indication based on standard income multiples. Actual lending decisions depend on full affordability assessments, credit history, and lender criteria.

What We Help You With

With our first-time buyer advice, we help you:

Get expert help to assess affordability, compare options, and structure your application - so you secure the right mortgage with confidence.

Determine realistic borrowing limits based on a full affordability assessment

Understand exactly how much you could borrow based on your income, outgoings, and lender criteria - not just rough estimates.

Understand deposit requirements and available schemes

Learn how much you’ll need, what options are available, and whether you qualify for any government or lender schemes.

Compare mortgage options across the market

We search across lenders to find mortgage deals that suit your budget, circumstances, and long-term plans.

Identify the most suitable rate and product type for your plans

From fixed to variable rates, we help you choose the right structure based on how long you plan to stay and your future goals.

Structure your application to meet lender criteria

We prepare your application properly to improve your chances of approval and avoid delays or rejections.

Manage the process from agreement in principle through to completion

We handle everything from your initial approval through to getting the keys - keeping things moving and stress-free.

1. Initial Consultation and Fact Find

We begin with a structured discussion to understand your full financial position and homeownership goals.

This includes reviewing:

• Income and employment details

• Deposit amount and source

• Existing financial commitments

• Credit profile

• Preferred property price range

At this stage, we answer your questions, explain how lenders assess affordability, and outline realistic next steps. There is no obligation to proceed.

2. Affordability Assessment and Agreement in Principle

We conduct a detailed affordability review based on lender criteria rather than simple income multiples.

This allows us to:

• Establish an accurate borrowing range

• Identify lenders suited to your circumstances

• Secure an Agreement in Principle (AIP)

An AIP can strengthen your position when making an offer on a property.

The First-Time Buyer Process Explained

Our 4-Step Approach

3. Whole-of-Market Search and Recommendation

Once you have a property in mind - or are ready to proceed - we research the market to identify suitable mortgage options.

We assess:

• Interest rates and product terms

• Fixed vs variable structures

• Fees and incentives

• Early repayment charges

• Overall cost over the initial deal period

We then provide a clear recommendation tailored to your situation and explain the reasoning behind it.

4. Application Management Through to Completion

After you decide to proceed, we manage the mortgage application on your behalf.

This includes:

• Submitting documentation

• Liaising with the lender

• Monitoring valuation progress

• Responding to underwriter queries

• Keeping you informed throughout

We remain your point of contact until your mortgage offer is issued and your purchase completes.

We handle the process end-to-end, we'll handle the research, application, and ongoing support - so you move from approval to completion without friction.

Clear, expert mortgage guidance for first-time buyers

Buying your first home can feel overwhelming. We’re here to simplify the process — giving you clear, independent guidance to help you understand your options, secure the right mortgage, and move forward with confidence. No jargon. No fees. Just advice that works in your interest.

We’ll guide you through what you can afford, your options, and the steps to secure your first home.

Built for first time buyers

Whether you’re just starting to explore or ready to apply, we guide you through every step of the home buying process.

Truly independent

We compare deals across the whole market - not just one lender - so you always get the best recommendation available.

Always in your corner

We work for you, not the banks. helping you make the right decisions now and supporting you as your mortgage evolves over time.

We’ll guide you through what you can afford, your options, and the steps to securing your first home.

We guide you from your first mortgage - and stay with you over time

Buying your first home is a big step. We help you understand your options, secure the right mortgage, and continue to support you as your circumstances and the market change.

We understand your situation ➔

We assess what you can afford, your deposit, and your goals to build a clear picture of your options.

We compare the whole market ➔

We search across lenders to find mortgage deals that suit your needs and budget.

We recommend the right deal ➔

You’ll get clear guidance on the best option for you - and why it fits your plans.

We support you beyond completion ➔

Once you’ve moved in, we stay in touch and review your mortgage over time - helping you stay on a competitive deal as things change.

Speak to an expert and explore your options with no fees, no pressure, and no obligation.

Expert advice that costs you nothing

We believe everyone deserves access to great mortgage advice - not just those who can afford to pay for it.

Our advice and service is completely free for every customer.

Lenders fund our service, not you - but our loyalty remains entirely yours. That freedom means we can always recommend what's genuinely best for your situation, with no strings attached.

You receive the same expert, personalised service without paying a penny.

• No hidden charges.

• No advice fees.

• No surprises.

Assess your circumstances and borrowing capacity

Compare mortgage products across the whole market

Recommend the most suitable option for your needs

Manage the application process from start to completion

You receive professional, regulated advice at no cost to you

Our role is to ➔

Speak to an adviser and get clear, whole-of-market guidance with no advice fees.

Frequently asked questions

How much deposit do I need as a first-time buyer?

Most lenders require a minimum deposit of 5% of the property price, although a larger deposit can provide access to better mortgage rates. The exact amount required will depend on the lender, your income, and your overall financial situation.

How much can I borrow for my first mortgage?

Borrowing amounts are typically based on income multiples and affordability assessments. Many lenders offer around 4–4.5 times your annual income, although this varies depending on your financial commitments, credit history, and household expenditure.

What is an Agreement in Principle (AIP)?

An Agreement in Principle is an initial indication from a lender showing how much they may be willing to lend based on basic financial information. Having an AIP can strengthen your position when making an offer on a property.

Are there any schemes available for first-time buyers?

There are several government-backed savings schemes designed to help buyers build a deposit, such as the Lifetime ISA, which provides a government bonus on savings used for a first home.

Can I use a gifted deposit?

Yes, many lenders allow deposits to be gifted by close family members. The person providing the gift will normally need to sign a declaration confirming that the funds are not a loan and that they will have no financial interest in the property.

How long does the mortgage process take?

From application to mortgage offer, the process typically takes two to four weeks, although this can vary depending on the lender, property valuation, and the complexity of the application.

Will applying for a mortgage affect my credit score?

A soft credit check may be used initially for an Agreement in Principle, which usually does not affect your credit score. A full credit check is normally carried out once you submit a formal mortgage application.

Do I need a mortgage adviser as a first-time buyer?

While it is possible to approach lenders directly, a mortgage adviser can compare products from multiple lenders, explain complex criteria, and guide you through the process to help you secure a suitable mortgage.

Get a clear idea of your budget, mortgage options, and the next steps to buying your first home.

Authorised and regulated by the Financial Conduct Authority

Ready to take the first step toward your first home?

Book a free, no-obligation consultation and get clear answers about your options.

Or call free and our team will be able to help you