Buying your first home comes with more decisions than most people expect — deposit size, mortgage type, and how much you can actually borrow. We talk you through it in plain terms and handle the process end to end.
Lenders assess first-time buyers differently depending on deposit size, income type, and credit history — and criteria varies more between lenders than most people realise. A whole-of-market search matters most here, since the 'best' lender for your situation is rarely the first one you'd find on a comparison site.
We'll also talk you through deposit sources (gifted deposits, Lifetime ISAs, shared ownership) and government schemes that may apply, so you understand the full range of options before deciding.
This varies by lender and product, typically from 5% upwards. A smaller deposit narrows the lender pool, which is exactly where whole-of-market advice helps most.
Yes — this is common, and lenders have specific requirements around gifted deposits that we'll guide you through.
Mortgage cases are typically charged at £395, payable at the point of application and disclosed to you before you proceed, in addition to any commission received from the lender.
Tell us what you need and we'll come back to you directly — usually the same day.
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