First Time Buyer

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Guidance You Can Rely On, Advice You Can Trust

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Plan Ahead

Your mortgage should fit your future plans, not just today.

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Personalised advice ensures you choose the right deal with confidence.

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First‑Time Buyer Mortgages - Expert Guidance for Your First Home

Buying your first home is an exciting milestone, but it can also feel overwhelming! That’s why we’re here: to provide the guidance, support, and expert advice you need to feel confident from the very first step.

From understanding your mortgage options to finding the right deal, we’ll guide you through the process with clarity, explaining each step in plain English. We help you make sense of everything - from saving for a deposit to choosing the right property - so you can make informed decisions without the stress.

If you’re unsure where to start, we’ll simplify the journey and focus on what matters most for you. Our goal is to find a mortgage that fits your budget, your plans, and your future - helping you move into your first home with confidence and peace of mind.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

12000+

Mortgage Products

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Mortgage lenders

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Tailored service

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Available insurers

FAQ's

Frequently Asked Questions

Am I a first-time buyer?

You’re considered a first-time buyer if you (and any co-buyer) have never owned a property before.
There are several schemes designed to help first-time buyers get on the ladder.
If you’ve inherited a property in the past but haven’t bought one yourself, you’re still classed as a first-time buyer when you make your first purchase.

What deposit do I need for a first-time buyer mortgage?

Most first-time buyers need a minimum deposit of 5%, but a couple of lenders are offering 100% mortgages again.

A larger deposit can give you access to better rates, as lenders see you as lower risk.

Deposits can also come from family gifts, and some lenders allow a family member to act as a guarantor if they already own a property.

How much can I afford for my first home?

Your borrowing amount depends on several factors, including your deposit, income, existing credit commitments, and the loan size you need.

Speaking with a mortgage adviser is the best way to understand your affordability. We’ll assess your situation, explain your options, and help you find the right mortgage to fit your budget.

Do I need to pay stamp duty as a first-time buyer?

Stamp Duty Land Tax (SDLT) depends on the price of the property.
First-time buyers benefit from certain allowances, but if the property exceeds specific thresholds, SDLT may still apply.

You can check the latest stamp duty thresholds on the government website.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.