First-Time Buyer Mortgages
With a 5% deposit and the right scheme, your first home is closer than you might think.
Why first-time buyer?
Buying your first home is a big step. For most first-time buyers the challenges are practical ones. You need enough deposit saved, and you need to show a lender you can afford the monthly repayments. It also helps to know which government schemes you qualify for, because that can change what you can afford.
There are more routes open to you than most first-time buyers expect. Some lenders will accept a 5% deposit. Others run products aimed at people with a thin credit history. On top of that, you may qualify for a scheme such as Shared Ownership, First Homes or the Mortgage Guarantee Scheme.
At Clearview Mortgage Solutions our advisers work with first-time buyers every day. They will talk through your options in clear terms and take on the application paperwork. Most of all, they know which lenders are likely to say yes to someone in your position.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our first-time buyer calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about First-Time Buyer mortgages
A guide to first-time buyer mortgages
How buying your first home works, from the first affordability check through to completing your purchase.
ReadGovernment schemes for first-time buyers
Shared Ownership, Lifetime ISAs, and other schemes that can help you get on the property ladder sooner.
ReadHow much deposit do I need?
How deposit size affects your mortgage rate, LTV bands explained, and tips for saving faster.
ReadGetting started with a mortgage broker
What a broker does, how they get paid, and why whole-of-market advice matters for first-time buyers.
Read
Frequently asked.
How much you can borrow depends on your income and wider circumstances. Most lenders offer around four to five times your income, subject to affordability. Our borrowing calculator gives you a rough idea, and an adviser can turn that into a figure matched to your situation.
Talk to a specialist.
first-time buyer mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.