As a first time buyer, deciding which mortgage product is most suitable for your requirements and circumstances is one of the most important financial decisions you will ever make.  

Selecting the best value home loan can mean a difference of thousands of pounds in the years to come. It certainly pays to shop around for the best first time buyer mortgage rates.

Although 100% deals are available, most lenders will require at least a 5% deposit. If you can put down a 10% deposit, you will have access to better deals, as you are seen as lower risk.

As independent mortgage advisors we have access to all the products from all the banks, building societies and specialist lenders in the UK. 

Our service is designed to save you time and money. With so many things to consider, redemption penalties, discount mortgages, variable and fixed rate products, our advisors are on hand to guide you through the financial maze.

Our independence means we are not part of a bank or building society and have no vested interest in recommending one mortgage over another. Our aim is to find something right for you. 

Flexible Mortgages and First Time Buyers

In the past, flexible mortgages have not necessarily appealed to first time buyers, who tend to go for the lowest available interest rates. This makes sense as buying and furnishing your home is an expensive business. Some flexible mortgage lenders have woken up to this fact and have started offering discounted deals to first-time buyers that become flexible further down the line.