First Time Buyer

Buying your first home can feel overwhelming. There’s a lot to understand, and it’s a major milestone. If the jargon is confusing or you’re unsure where to begin, this guide breaks everything down and helps you move confidently toward becoming a homeowner.

Many mortgage advisors specialise in supporting first‑time buyers. A specialist can explain how affordability works, explore low‑deposit options, review government schemes, and guide you step‑by‑step from application to completion. This support helps first‑time buyers make confident, informed decisions when securing their first home.

What you’ll learn as a first‑time buyer:

  • How much deposit you need
    Including typical minimums and what lenders look for.

  • How the 99% Loan Scheme and Shared Ownership work
    Clear explanations of low‑deposit and part‑ownership options designed to help first‑time buyers.

  • How much you can borrow
    Plus what a Mortgage in Principle is and why it matters.

  • The different types of mortgages
    And how interest rates affect your monthly payments.

  • Tips to improve your chances of securing a mortgage
    From credit preparation to documentation.

  • A step‑by‑step overview of the homebuying process
    So you know exactly what to expect from start to finish.

Specialist first‑time buyer advisors can help you understand affordability, explore low‑deposit schemes, and guide you through each stage of securing your first mortgage. This ensures you make informed decisions with confidence.

Happy couple standing together, woman with dark hair wearing a beige sweater, man with dark hair and beard wearing a light-colored t-shirt, smiling in front of a sign that reads 'First Time Buyer' with a house icon above the text.

Home Mover, Let to Buy & Porting

In a competitive property market, the ability to move quickly with your finances is crucial to securing a successful offer on the right property.

We work with clients at every stage of their property search:

  • Home Mover Mortgage: This is a mortgage specifically designed for people who are selling their existing property and buying a new one.

  • Let to Buy:  This is a strategy where you turn your current home into a rental property (buy-to-let) and use the rental income to help secure a mortgage on your new home (purchase).

  • Porting: This refers to transferring your existing mortgage deal from your current property to your new one. It can be a good way to keep your current interest rate and avoid early repayment charges, but it depends on the lender and the value of your new property.

Sign promoting real estate services with a house icon, a large red 'SOLD' banner across a house illustration, and text reading 'Home Mover, Let to Buy, Porting' on a beige background.