First-Time Buyers - Getting Your First Mortgage

Getting a mortgage has become more difficult for first-time buyers in recent years, thanks to rising house prices. Even now, with residential property values set to stabilise or even fall in some areas, first-time buyers are instead faced with more difficulties when trying to secure a mortgage.

Perhaps you haven't managed to save a decent deposit yet, or maybe you're worried you might not be able to afford a mortgage on your income alone. Even if this is the case, there are options open to you. This includes sharing a mortgage, guarantor mortgages and even government schemes for key workers or first-time buyers facing affordability issues.

Getting your first mortgage

Advice for the first time buyers with bad credit

More mortgage basics

Submitting Details...

Step 1 of 3

About your mortgage

Are you looking to:	How much would you like to borrow?
Buy a property Remortgage a property Buy a property to let

	How long do you need the mortgage for?

Proceed to step 2.

Step 2 of 3

About your mortgage

Estimated property value?

Are you a first-time buyer?
YesNo

Do you need to self-certify your income?
YesNo

Have you:

	Had a CCJ or Default registered against you?
	Missed one or more secured loan or mortgage payments in the last 12 months?
	Been declared bankrupt or had an IVA?

Proceed to step 3.

Step 2 of 3

About your mortgage

Estimated property value?		How much would you like to borrow?

Proceed to step 3.

Step 3 of 3

Your details

First name:	Last name:

Phone number:	Alternate phone number:

E-mail address:	Date of birth:


First line of current address:	Current postcode:

Finished

Thank you for your enquiry.

will be in touch with you shortly.

Top tips: first-time buyers

Photo of Pauline McCallion, Editor of Your Mortgage Magazine

There are thousands of mortgage deals on offer in the UK, so it is vital that you do not simply go for the first mortgage you are offered.

Click here for more first-time buyer mortgage tips