Expert Guidance for First Time Buyers
A first time buyer mortgage is specifically designed for individuals stepping onto the property ladder for the first time. It's tailored to make purchasing your first house as accessible and affordable as possible, with features that meet the unique needs of newcomers to the housing market.
Buying a home for the first time can be daunting, but with the right support and advice, it doesn't have to be stressful.
You're typically considered a first time buyer if you have never owned a property before and are purchasing a home to live in as your main residence. This means you can take advantage of various incentives, such as government schemes and competitive first time buyer mortgage rates, which can make all the difference in achieving your homeownership dreams.
Exclusive First-Time Buyer Advantages
Discover the unique benefits and government schemes designed specifically to help you step onto the property ladder with confidence.
Low Deposit Options
Access mortgages with deposits as low as 5%. We help you find the perfect low-deposit solution to get you on the property ladder faster.
Explore OptionsFixed Rate Security
Lock in your payments with competitive fixed rates. Enjoy peace of mind with predictable monthly payments for up to 10 years.
View RatesGovernment Schemes
Depending on your circumstances, you may qualify for initiatives like New Homes England or Shared Ownership, which can make owning your first house more affordable.
Learn SchemesHome Me Mortgages made buying our first home stress-free. Their expertise saved us thousands and their support was invaluable throughout the entire process.
Sarah & James
Maidenhead
Your Trusted First Time Buyer Specialists
Navigate your homebuying journey with confidence through our proven expertise and personalised approach
Why Choose Us
Personalised Mortgage Solutions
We specialise in helping first-time buyers navigate complex mortgage options with tailored advice for your unique circumstances and financial situation.
Complete Government Scheme Guidance
From low deposits to credit improvement, New Homes England to Shared Ownership - we find the perfect mortgage solution for your specific needs.
UK-Wide Expert Support
Based in Marlow but serving clients nationwide, we provide ongoing support throughout your entire homeownership journey with dedicated expertise.
Free Expert Consultation
Get personalised mortgage advice with absolutely no upfront costs or hidden fees
Ready to Start Your Journey?
Book your free consultation today and take the first step towards owning your dream home
Avoid Costly First-Time Buyer Mistakes
Our comprehensive guide helps you navigate the homebuying process with confidence, avoiding common pitfalls that could cost you thousands.
Download Free GuideYour Journey to Homeownership
Our proven 3-step process makes securing your first-time buyer mortgage simple, transparent, and stress-free. We guide you from initial consultation to getting your keys.
See if you qualify
Book a call with one of our expert advisers and they'll ask you a few questions to understand your circumstances and calculate your affordability.
Apply for the mortgage
Your mortgage and protection expert will issue you a recommendation for the most suitable product for you and your circumstances.
Sit back & Relax
A dedicated case manager will take over from mortgage application through to completion – which is when you get the keys for your new property.
What You Need to Budget For
Understanding the true cost of buying your first home helps you plan effectively and avoid surprises.
Borrow up to 95% of property value
No stamp duty up to this amount
Average time from application to completion
First-Time Buyer Cost Breakdown
Example for a £450,000 property purchase
Property Price
Average UK first-time buyer purchase
Deposit (5%)
Low DepositMinimum required with our lenders
Stamp Duty
First-Time Buyer BenefitFirst-time buyer relief applies
Legal Fees
Conveyancing and searches
Survey
Property condition assessment
Total Upfront Costs
Excluding property price
Ready to Plan Your Purchase?
Use our mortgage payment calculator to see what your monthly payments could be and plan your budget with confidence.
Frequently Asked Questions
What you need to know
What is a first time buyer mortgage?
How do I know if I qualify as a first time buyer?
What are first time buyer mortgage rates?
Can I get a fixed rate first time buyer mortgage?
How much deposit do I need for a first time buyer mortgage?
Why should I seek first time buyer mortgage advice?
What government schemes are available for first time buyers?
How long does it take to get a first time buyer mortgage?
What should I do next as a first time buyer?
Ready to Get Started?
Take the first step towards your dream home. Our expert mortgage advisors are here to guide you through every step of the process.
Why Choose Home Me?
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