YOUR FIRST HOME
First-time buyer mortgages
Your complete first-home journey—from understanding affordability and deposits to application, valuation and collecting the keys.
No obligation · Initial conversation does not affect your credit score
Build your first-home plan
We help you understand a realistic budget before you begin viewing, explain deposit options and prepare an Agreement in Principle when the time is right.
Affordability
Understand how lenders assess income, spending and existing commitments.
Deposit options
Explore savings, gifted deposits, Lifetime ISAs and eligible low-deposit routes.
Offers and valuations
Know what happens after an offer is accepted and how the lender values the property.
Keys in hand
Your adviser and case manager guide you from application through to completion.
First-time buyer FAQs
How much deposit will I need?
Some buyers may have options with a 5% deposit, while a larger deposit can widen product choice. Eligibility depends on the applicant, property and lender.
Should I get an Agreement in Principle before viewing?
It can establish a realistic budget and show agents you have started preparing, but it is not a mortgage offer or guarantee.
Can family help with my deposit?
Many lenders accept gifted deposits, subject to evidence of the source and confirmation that the gift is not repayable.
TALK TO A LOCAL ADVISER
Make your first move with confidence.
We’ll match you with an adviser who understands your deposit, income and local buying process.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Smart Mortgages Limited is authorised and regulated by the FCA, reference 912358.