First-Time Buyer Mortgages
Getting on the property ladder doesn’t have to be confusing. We can help you secure a mortgage with clear guidance from start to finish.
First-Time Buyer Mortgage Advice
Getting on the property ladder is a big step, but it doesn’t have to be confusing. As a first-time buyer, you’ll face unique challenges like saving for a deposit, proving affordability, and understanding government schemes that could help you.
The good news is that there are plenty of mortgage options available. Some lenders will accept a 5% deposit, and others offer products tailored to those with limited credit history. You may also qualify for schemes such as Shared Ownership, First Homes, or the Mortgage Guarantee Scheme.
At Online Mortgage Advisor, our specialists understand the needs of first-time buyers. They’ll explain your options in plain English, guide you through the application, and match you with lenders most likely to say yes.
To get started, choose one of our guides or consider checking how much you could borrow and what the repayments would be with our mortgage calculators. If you’ve got bad credit or are self-employed, you can still get approved for a mortgage.
Check your affordability
Use our calculator to see how much you could borrow and what your monthly repayments might look like.
Read our guides
Browse our first-time buyer guides to understand deposits, government schemes, and what to expect during the process.
Compare first-time buyer mortgages
Use our industry-first comparison tool to view deals from across the market.
Speak to an expert
Get matched with an advisor who understands the challenges first-time buyers face and can guide you to the right lenders.
We have advisors who specialise in first-time buyer mortgages and know which lenders are most open to new borrowers. Enquire today.
Our Guides
Expert mortgage guidance tailored for first-time buyers
Government Mortgage Schemes For First-Time Buyers
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
How much you can borrow will depend on your income and circumstances, but most lenders will offer an amount four or five times your income.
Most lenders will require a minimum deposit of 5% of the property’s value. But this can rise to 10% or higher depending on your circumstances and the property you’re purchasing.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We secure the best deal with help from a specialist in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates.
They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated mortgage expert and case manager by your side from your first question through to completion, with regular updates so you always know what is happening.
We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.