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Understand what you can borrow
Get a clearer idea of affordability before you start viewing homes.
First-time buyer mortgage advice
Buying your first home? Let’s make it simple.
From working out what you can borrow to getting your mortgage application ready, we’ll guide you through every step of buying your first home.
How we help
First-time buyer support from start to finish.
Buying your first home can feel like a maze. We help you understand your deposit, affordability, mortgage options, paperwork and next steps.
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Deposit guidance
Understand how your deposit affects your mortgage options and monthly payments.
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Agreement in principle
Get help preparing for an agreement in principle so you can move with confidence.
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Application support
We help you through the mortgage application process and keep things moving.
The process
Your first mortgage, broken down into clear steps.
No jargon, no guesswork — just practical help at each stage.
1
Initial chat
We learn about your income, deposit, goals and timescale.
2
Affordability check
We help you understand what may be realistic based on your circumstances.
3
Mortgage options
We search suitable mortgage routes and explain your options clearly.
4
Application
Once you’re ready, we help prepare and submit your mortgage application.
5
Completion
We support you through updates, paperwork and final steps to getting the keys.
First-time buyer checklist
What should you prepare before applying?
The more prepared you are, the smoother the process tends to be. Here are some common things lenders may ask for.
✓ Proof of income, such as payslips or accounts if self-employed
✓ Bank statements and regular spending details
✓ Deposit amount and source of funds
✓ ID, address history and credit commitments
✓ Details of the property when you find one
Ready to take the first step?
Speak with Mortgage Advisor UK and get friendly guidance before you start your first-home journey.
Request a Call BackFAQs
First-time buyer FAQs
How much deposit do I need as a first-time buyer?
This depends on your circumstances, property price and lender criteria. A larger deposit can sometimes give access to more options, but an adviser can help you understand what may be realistic.
What is an agreement in principle?
An agreement in principle is an indication from a lender of what they may be prepared to lend, subject to checks, criteria and a full application.
Can I get a mortgage with credit issues?
It may still be possible depending on the type, date and severity of the credit issue. Specialist advice can be useful before applying.
When should I speak to a mortgage adviser?
Ideally before you start viewing properties, so you understand your budget and can move quickly when you find the right home.