Category: First Time Buyer Mortgages

Buying your first home can feel overwhelming — new terminology, strict lender checks and a long list of steps you’ve never done before. First time buyer mortgages are designed for people who are new to homeownership, but the best route depends on your deposit size, income type and overall affordability.

In this section, you’ll find practical guides explaining how first time buyer mortgages work in the UK, what lenders look for, and how to prepare before applying. We cover deposits and loan-to-value, credit scoring, affordability calculations, decisions in principle, gifted deposits, and the key costs to budget for alongside your mortgage.

You’ll also find straightforward explanations of common options such as fixed vs variable rates, mortgage terms, and what happens from offer through to completion — so you can move forward with clarity and confidence.

If you’re ready to explore your options, our guide to first time buyer mortgages explains what’s available and how to improve your chances of approval.