First-Time Buyer Mortgages
Your first home is achievable with a 5% deposit, the right scheme, and a lender who’ll say yes.
Why first-time buyer?
Getting on the UK property ladder is a big step. As a first-time buyer, you’ll face unique mortgage challenges like saving for a deposit, proving affordability, and understanding government schemes that could help you.
The good news is that there are plenty of mortgage options available. Some lenders will accept a 5% deposit, and others offer products tailored to those with limited credit history. You may also qualify for schemes such as Shared Ownership, First Homes, or the Mortgage Guarantee Scheme.
At Clearview Mortgage Solutions, our specialists understand the needs of first-time buyers. They’ll explain your options in plain English, guide you through the application, and match you with lenders most likely to say yes.
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
Everything you need to know about buying your first home, from affordability checks 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 circumstances. Most lenders will offer an amount around four or five times your income, subject to affordability. Use our borrowing calculator to get an idea, then speak to an adviser for a personalised figure.
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.