First Time Buyers

In most cases across the UK, you’ll need at least a 5% deposit to buy a property. However, some lenders now offer 0% deposit mortgages, usually subject to affordability checks, good credit history, or guarantor support. 

 🏡 Looking to buy? Our mortgage advisers can help you explore all your low-deposit options. 

 Most lenders use an income multiplier — typically around 4.49x your annual income — though this varies depending on your credit history, debts, and expenses. 

 📞 Speak to an adviser today and we’ll calculate exactly how much you can borrow with lenders across the market. 

In addition to your deposit, you’ll need to budget for:

• Legal fees (conveyancing)
• Mortgage valuation fees 
• Stamp Duty (free for first-time buyers on properties up to £300,000)
• Mortgage arrangement or booking fees (we can often secure deals without these)
• Moving and removal costs
• 
  

 💷 We’ll give you a full breakdown of all expected costs so there are no surprises. 

There’s no one-size-fits-all answer — the best mortgage depends on your income, deposit size, credit profile, and long-term plans.

 🤝 Our fee-free advisers will compare deals from over 80 lenders to find the best fit for your circumstances.

Yes! You can still use your Help to Buy ISA to purchase your first home and claim the 25% government bonus as long as you complete your purchase by November 2029.

 🏠 Ask us how to include your ISA in your mortgage application. 

Your bank can only offer its own mortgage products — but you may not meet their criteria, or they might not have the most competitive rate.

🌍 We search the whole market — over 90 lenders — giving you access to thousands of mortgage options you might not find elsewhere.

 The average home-buying timeline in the UK is 8 to 13 weeks, depending on your lender, solicitor, and the property chain.

⏳ We’ll keep you informed at every step, managing paperwork and chasing progress so you don’t have to.