Helping First-Time Buyers Get on the Property Ladder
Buying your first home is a major milestone — but in today’s competitive property market, rising prices and high demand can make it feel overwhelming. That’s why having the right mortgage support is essential.
We’ve helped countless first-time buyers across the UK take their first step onto the property ladder. Our advisors combine market insight with tailored guidance, helping you navigate the process with clarity and confidence.
We know that behind every mortgage is a life goal, and we’re here to help you achieve it.
Mortgage Experts
Expert Mortgage Help for First-Time Buyers
Our services
ISA and LISA
Ensuring your hard-earned savings can be utilised towards your first purchase
Different Help to Buy schemes have caps on property value, or provide the benefit at a different stage of the process.
We can help ensure that you maximise the benefit from your account whilst securing your dream home.
Guarantor Mortgage
Solutions for borrowers with a guarantor
We provide advice on joint-borrower-sole-proprietor mortgages. This type of mortgage allows for a family member or a partner to help boost your borrowing capacity.
A common scenario is one or two parents acting as a guarantor for a child. Both parents will feature on the mortgage, alongside the first-time buyer. The property will only be owned in the name of the first-time buyer, meaning they still benefit from their reduced level of stamp duty.
In the future, the guarantor aspect of the mortgage can be removed. Returning the mortgage to a standard arrangement.
High Multiple
We provide expert assistance for a wide range of residential finance requirements, offering exclusive options of up to 95% LTV on income multiples up to 6x
For professional clients, or applicants earning £30,000 (or £50,000 joint), we can arrange loans with a minimum 6x loan to income. Income stretch options allow for 6.5x and 7x income.
For example, a couple earning £60,000 with a 10% deposit might be offered a loan of £269,400. With a high-multiple product, this increases to £360,000.
Additionally, we have no property restrictions; whether it’s a home with land, outbuildings, or annexes, we can tailor financing to meet your needs.
0% DEPOSIT
We provide expert assistance for first time buyers without a deposit.
Available to any current renter who hasn’t owned a property in the last 3 years
To be eligible, you must demonstrate you have paid all monthly rent for a minimum of 12 months, in the last 18 months.
This product is not available where the rent is shared with other non-borrowers.
Income multiples are restricted to a maximum of 5x.
Contact us today for a free, no-obligation quote.
We Can Open Doors to Thousands of Mortgage Options
Purchase Products
Re-Mortgage Products
Mortgage Products with Private Banks
How Much Mortgage Can I Get?
One of the first questions every first-time buyer asks is: “How much can I borrow?”
The amount depends on factors such as:
- Your income and employment type
- Your deposit size
- Your credit history
- Monthly financial commitments
As a guide, first-time buyers in Bristol typically borrow between 4x and 6x their annual income. But the best way to get a clear picture is to speak with an adviser who can give you accurate, personalised figures.
Tailored Mortgage Services for First-Time Buyers
Step-by-Step Guidance
From your very first call through to collecting your keys, we’ll be by your side. No jargon, no stress, just clear advice and support.
Whole-of-Market Access
We compare deals from across the UK’s lenders, not just a handful of banks. This means you’ll always get the best options available to you.
Specialist Advice
Whether you’re self-employed, have a smaller deposit, or even a less-than-perfect credit history, we can find a solution tailored to your situation
Government and Local Schemes
We’ll explain how schemes such as Help to Buy, Shared Ownership, ISAs/LISAs, and Bristol-specific initiatives can make your first home more affordable.
Why First-Time Buyers Choose Our Mortgage Advisors
Market Knowledge
Our deep understanding of lender criteria, underwriting practices, and market trends allows us to match clients with the most suitable mortgage solutions.
Independent and FCA Regulated
We act in your best interests, not the banks’.
Proven Track Record
Years of helping first-time buyers just like you.
No Hidden Fees
Transparent advice with a free initial consultation.
FAQ
What is the minimum deposit for a first-time buyer?
Most lenders require at least 5%, but some schemes and lenders allow for 0–5% deposits.
Can I get a mortgage with bad credit?
Yes, depending on your circumstances. We work with lenders who specialise in helping buyers with credit challenges.
Do I need a mortgage broker for my first home?
While not essential, a broker gives you access to far more lenders and takes the stress out of the process, saving you time and money.
How much can I borrow as a first-time buyer?
This varies depending on income and circumstances, but typically 4 to 6x annual salary. We can provide tailored figures after a quick consultation.
Is mortgage advice free?
Your first consultation with us is completely free. We’ll explain any fees clearly before you proceed.