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Mortgages for first-time buyers

We're taking hurdles out of the way.
0207 858 2809 or arrange a callback >

  • Borrow up to £1m, over up to 40 years.
  • Fixed rates available from 3.99%*.
  • t-doc-tick-white-02 Variable rates from 6.37%*.
  • Free standard valuation.
  • Borrow up to 75% of the property’s value.
* The maximum loan, rate and loan-to-value ratio offered will depend on your individual circumstances.
  4.6/5 average rating by independent customer feedback
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Request a call back

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm, we’ll do our best to get back to you the same day or let us know when suits you best for a call back.


Your home may be repossessed if you do not keep up repayments on your mortgage. 

You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.

A helping hand onto the first rung

In a fast-changing world, we take comfort in the things that never change. So it’s easy to understand why so many of us still dream of owning our own home.

But that fast-changing world means it can seem harder than ever to get on the housing ladder.


Jobs, homes, incomes – they don’t look like they used to

You might work freelance, or have a temporary contract. You might rely on bonuses, overtime or tax credits to top up your wages. Your parents might be helping you out with your deposit.

There’s nothing unusual about any of these things, anymore. But some lenders aren’t keeping up with our changing lifestyles.

And that could make getting a mortgage harder than you realised.


Our common sense approach

You’re not just a credit score. So we look at the bigger picture, and get to know the person behind the numbers instead.

After all… if the sums show you can afford it, we think you should have it.

It sounds obvious when you put it that way. But it means we’ve helped lots of people buy their first home over the years, when others couldn’t.

Overall cost for comparison

For example: A mortgage of £85,000 payable over 23 years, initially on a fixed rate for 5 years at 7.12% (and then on a tracker rate for the remaining 18 years at 6.12% above the Bank of England Base Rate) would require 60 monthly payments of £658.14, and 216 monthly payments of £634.89, plus a redemption administration fee of £150.00.

The total amount payable would be £176,773.76, made up of: the loan amount; interest on the loan (£83,213.11); the processing fee (£2,125.00); the arrangement fee (£2,125.00); interest on these fees (£4,160.66); and the redemption administration fee (£150.00).

The overall cost for comparison is 7.7% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.