first time buyer mortgage

Our team have been there for many firsts for our children – their first steps, their first word, their first day at school. Now, we want to be here for you for one of your firsts: buying your first home. We give clear, accurate advice and help to support you through the entire process from start to finish. Our aim is to take the stress out of buying your first home, allowing you to enjoy the best bits. Let us take you through the process one step at a time...

get started

While mum knows best, we don’t expect you to know everything! Apply with us online today, fill in your details and see what you can afford. When it comes to mortgage advice for first time buyers, The Mortgage Mum team can help find the perfect policy for your situation. 

apply for a first time buyer mortgage online

first time buyer mortgage application quick guide

gather your documents

Make sure you can get all your personal and financial paperwork together beforehand – it will be key for your mortgage application.

choose your mortgage

There are many options out there for first time home buyers looking for the right mortgage. We’ll sit down with you to advise on the one that will suit you and your family’s needs.

consider the cost

Based on your incomings and outgoings, we can help you calculate what you can spare each month towards mortgage repayments.

agreement in principle

After we’ve helped you find the right mortgage and made an application to the lender, we’ll obtain an agreement in principle from them. This means you can go house-shopping knowing what you can spend, a big benefit for first time buyers.

find a home

The search is on! With your budget, location and mortgage locked up, you are ready to find your ideal first home.

hitting all the right notes…

Seeing a family settle into a new home with a mortgage that suits them and insurance that secures them. It’s what makes The Mortgage Mum team tick.

most common faqs

How much can I borrow as a first time buyer?

The big question! We recognise that this is the first thing people want to find out when they come to us. Different providers follow very different criteria, and those criteria are changing all the time, making it a tough answer to determine. That’s why it’s a good idea to contact an experienced and responsible broker like The Mortgage Mum to scan the current market and identify the product that will afford you the maximum spending power in the housing market. Contact one of our experienced, trustworthy advisers and rest assured we will find the best solution for you.

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

In normal circumstances our stock answer currently is 5%. However, dependent on circumstances, there are some products that allow a zero contribution from you. Get in touch to see if you could be eligible for a zero deposit mortgage.

Do I have to pay stamp duty? How much?

The Government change stamp duty rules quite often and the best way to find out what levels of stamp duty are payable is to use the Government's Stamp duty calculator or speak to one of our advisers today.

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so, let’s get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…