A mortgage for the average person, let alone a first time buyer, is often the largest loan that will be taken out during a person's lifetime. 

It is therefore extremely important to make the right choice when it comes to choosing the first time mortgage. 

An increasing number of lenders have schemes specifically targetted at first time buyers with special offers such as free valuation, legal fees paid or even cashback deals. 

However, since you have never had a mortgage before, it is more difficult for you to prove that you will be a 'good borrower'. 

Also because house prices have risen considerably in the recent times, many first time buyers need to borrow quite large sums with little or no deposit.  This can mean that you are pushing the limits on income multiple, loan size and loan to value.

If you do not have enough money for a deposit, you may need a 100% mortgage. We can help you decide whether you want a fixed rate mortgage, or a variable rate mortgage, or indeed another of the options available to you. Some companies offer cashback mortgages - that give you money back to spend on other costs.

We'll find the best deals for you

The smart way to arrange your mortgage is to get an expert to do all the shopping around for you. 

An independent mortgage broker, has access to all the mortgage lenders in the UK with over 8,500 different types of mortgage products available.

Contact us and let an expert advisor find the best products for you.

There is no obligation and it costs nothing to see what your options are. 

Help is available even if you've had problems getting a mortgage elsewhere.