We help first time buyers find the right lender and move forward with confidence.
We help first time buyers across the UK understand their options, find the right lender, and move forward with confidence.
At The Mortgage Heroes, we guide you through the full process in plain English. We compare lenders across the whole of market, explain your options clearly, and handle the application from start to finish so you don’t feel like you’re guessing your way through.
A first time buyer mortgage is designed for people buying their first ever home. While the mortgage itself may look similar to other residential mortgages, lenders often have specific criteria around deposits, affordability, and buyer status.
Many first time buyers assume they need a large deposit or perfect credit to get started. In reality, there are a wide range of lenders with different approaches, and the “right” option depends on your income, deposit, credit history, and the type of property you’re buying.
First time buyer mortgage criteria varies between lenders, but many buyers may be eligible if they’ve never owned a property before and have a deposit in place, whether saved, gifted, or supported by family. Lenders will assess income from employment, self-employment, or a combination of sources, alongside your credit history.
Even if your credit is limited or includes special circumstances, options may still be available. Criteria changes regularly, so we’ll sense-check your position before any application is made.
Buying your first home doesn’t need to be complicated. We keep the process clear and personal.
We talk through your plans, budget, deposit, and any questions you have.
We assess lenders based on your income, credit profile, and the property you’re buying.
We explain the most suitable options in straightforward language, with no pressure.
We handle the mortgage application and liaise with the lender and solicitor.
We stay involved until your mortgage offer is issued and you complete on your home.
Buying your first home is a long-term commitment. Reviewing protection can help safeguard your home and finances if something unexpected happens.
Not always. Some lenders offer lower-deposit options, depending on your income, credit history, and the property.
This depends on your income, outgoings, credit profile, and the lender’s affordability model. We’ll give you a realistic estimate before you apply. We have lender options that can consider loans of up to six times your income, increasing your affordability potential.
Yes. Many lenders support self-employed and non-standard income, provided the right evidence is used.
Not necessarily. Outcomes depend on what happened, when it happened, and your current affordability.
Timescales vary, but we’ll guide you through each stage and help keep things moving.
Yes. Many first time buyers speak to us early to understand budgets and get mortgage-ready.
Straightforward answers to common first time buyer questions, from deposits and affordability to timelines and next steps.
Start your journey online with The Mortgage Heroes. Our experts are here to help, offering clear, practical advice and support for your mortgage journey – without the pressure.
