Mortgage Advice For First Time Buyers.
Buy Your First Home — Even With a Small Deposit
Most first-time buyers think they need 10–15% deposit.
In many cases you can buy with 5%, less, or even no deposit depending on your situation.
Taking the unknown out of buying your first home.
We have the answers to all of your questions.
Clear, friendly no jargon advice for first time buyers.
Taking the unknown out of buying your first home.
You have questions, We have the answers.
Clear, friendly no jargon advice for first time buyers.
Want To Know How Mortgage Ready You Are ?
Buying your first home is exciting, but are you really ready to take the next step?
Our Mortgage Readiness Quiz will give you the answer in under a minute.
It’s quick, free, and designed for first-time buyers. Find out if you’re ready to get a mortgage—or what steps you should take to prepare, like improving your credit score, saving for a deposit, or reducing debt.
Click below to take the quiz and start your home-buying journey today!
How Much Will Your Mortgage Cost Per month ?
Before you start viewing homes, it’s important to know what your monthly mortgage payment might look like.
Our Mortgage Repayment Calculator gives you an instant estimate.
Just enter your loan amount, interest rate, and mortgage term, and you’ll see your monthly cost in seconds.
This is a great way to budget and check affordability before you make an offer.
How Much Can I Actually Borrow On My New Mortgage ?
One of the most common questions first-time buyers ask is, “How much can I borrow?”
Most lenders use your income and outgoings to calculate affordability, but the exact amount can vary depending on the lender and your circumstances.
A good starting point is around 4.5 times your household income, but this isn’t the full picture.
Want to learn more? Watch our short video below to understand what affects borrowing and why speaking to a mortgage adviser could help you unlock the best options.
Your Home May Be Repossessed If You Do Not Keep Up Your Mortgage Repayments.
Book Your Initial 15 Minute Mortgage Discovery Call
On the call;
We will answer your most important questions
Complete a quick affordability check
Assess if there is any urgent action you need to take
Recommend your best next step
Highlight key resources to get prepared for your first home
15 minute telephone call - totally FREE
Meet The Founder
Paddy Rice
When I went for my very first mortgage appointment, long before I ever became an advisor, I nearly walked away from the dream of owning a home.
The advisor we met looked down his nose at me and my (then) girlfriend. We were young, unsure of ourselves, and trying to figure it all out. He almost laughed us out of the office. We left feeling embarrassed, judged, and convinced we weren’t “ready.” It put us off buying for a long time.
Years later, when I became a mortgage advisor myself, I realised something that changed everything — we actually could have got a mortgage back then. We didn’t need judgment. We needed guidance. We needed someone to take the time, understand our situation, and show us the path.
That’s why I promised I would never treat people that way.
I launched First Time Buyer Mortgages for one simple reason: first-time buyers need the most help. You’ve never done this before. You might feel unsure. You might even have had a bad experience elsewhere. That’s exactly why we exist.
We take the time to get to know you, your plans, and what matters most to you. With access to a wide panel of lenders and years of experience helping over 500 people secure their first home, we guide you step-by-step through the process and recommend a mortgage that genuinely fits your life.
No pressure. No judgment. Nothing is too much trouble.
Just honest advice and real support — so you can finally get the keys to your first home.
