{"id":20105,"date":"2017-06-06T14:26:14","date_gmt":"2017-06-06T13:26:14","guid":{"rendered":"http:\/\/www.finder.com\/uk\/?page_id=20105"},"modified":"2026-10-15T12:27:25","modified_gmt":"2026-10-15T11:27:25","slug":"first-time-buyer-mortgages","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/mortgages\/first-time-buyer-mortgages","title":{"rendered":"Best mortgage lenders for first-time buyers in the UK 2026"},"content":{"rendered":"<p>Buying your first home is a big step, so you need to be sure of the decisions you make. We break down the top mortgage lenders and banks for first-time buyers, including those with specialised schemes to help you get on the property ladder.<\/p><h3>Our mortgage lender top picks for first-time buyers<\/h3><ul>\n<li><strong>Best overall: <\/strong><a href=\"#best-overall\">Lloyds Mortgages<\/a><\/li>\n<li><strong>Best for customer satisfaction: <\/strong><a href=\"#best-for-customer-satisfaction\">Nationwide Building Society mortgages<\/a><\/li>\n<li><strong>Best for no deposit: <\/strong><a href=\"#best-for-no-deposit\">Skipton Building Society Mortgages<\/a><\/li>\n<li><strong>Best for low credit: <\/strong><a href=\"#best-for-low-credit\">Kensington Mortgages<\/a><\/li>\n<\/ul>\n<script type=\"application\/ld+json\">\n{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"ItemList\",\n    \"itemListElement\": [\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 1,\n            \"name\": \"Lloyds Mortgages\",\n            \"description\": \"Best overall\",\n            \"url\": \"https:\/\/www.finder.com\/uk\/mortgages\/lloyds-mortgages\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 2,\n            \"name\": \"Nationwide Building Society mortgages\",\n            \"description\": \"Best for customer satisfaction\",\n            \"url\": \"https:\/\/www.finder.com\/uk\/mortgages\/nationwide-building-society-mortgages\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 3,\n            \"name\": \"Skipton Building Society Mortgages\",\n            \"description\": \"Best for no deposit\",\n            \"url\": \"\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 4,\n            \"name\": \"Kensington Mortgages\",\n            \"description\": \"Best for low credit\",\n            \"url\": \"\"\n        }\n    ]\n}\n<\/script><div class=\"content tableWithFilters\n         topFiltersEnabled\n        \n         best-cards-table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"UKFHL\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div id=\"portal-table-top-filters-modal\"><\/div>\n\n<div class=\"contentWrapper tableWithFilters__contentWrapper\">\n    <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"b58849eb-62ab-4b2d-b118-1a5fbf1941bf\" data-template=\"comparison\" data-niche=\"UKFHL\" data-site=\"UKFHL\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"firsttimebuyers\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"20105\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"true\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"best-card\",\"site\":\"UKFHL\",\"fieldset\":\"firsttimebuyers\",\"template\":\"comparison\",\"category_id\":\"b58849eb-62ab-4b2d-b118-1a5fbf1941bf\",\"category_name\":\"firsttimebuyers\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794378655}' data-disable-alternative-products=\"true\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFHL\" data-site=\"UKFHL\" data-table-id=\"3963\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"best-card\",\"site\":\"UKFHL\",\"fieldset\":\"firsttimebuyers\",\"template\":\"comparison\",\"category_id\":\"b58849eb-62ab-4b2d-b118-1a5fbf1941bf\",\"category_name\":\"firsttimebuyers\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794378655}'><div class=\"comparisonHistory__root\"><\/div><h3 id=\"best-overall\" class=\"best-card__header\">Best overall<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfhl\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"4\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"b5d2a22225b28dcea7b8e54171dc3339ebe24558aed43f1557bc21e63df45c24\" data-table-record-type=\"product\" data-table-record-ids='[\"a0facb7e-8606-4566-95d8-3d9100e59d41\",\"90179a9f-f555-4fa5-b1f1-6b1c68483c58\",\"953bfc00-92c0-44a9-a364-fdf3b232b0f1\",\"90025d1c-91ee-4321-b6f5-5556ebe75bfa\"]' data-total-data=\"4\" data-enable-top-filters=\"true\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"4\" data-sponsored-placements=\"0\" data-override-table-position-configuration=\"false\"><tbody><tr data-product-id=\"a0facb7e-8606-4566-95d8-3d9100e59d41\" data-provider-id=\"10be2346-8376-46f8-bd3d-44a34c873d67\" data-product-name=\"Lloyds Mortgages\" data-provider-name=\"L&amp;C\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/lloyds-mortgages\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5e569e7502d32.png\" alt=\"L&amp;C logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5e569e7502d32.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5e569e7502d32.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5e569e7502d32.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5e569e7502d32.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5e569e7502d32.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/lloyds-mortgages\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Lloyds Mortgages<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                         sorter-false\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\u00a35,000\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum deposit\">\n                                                  \u00a35,000\n                                                                  <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"5.5x income\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum first-time buyer borrowing\">\n                                                  5.5x income\n                                                                  <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":9.4,\"badges\":[],\"productId\":\"a0facb7e-8606-4566-95d8-3d9100e59d41\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/lloyds-mortgages-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22UKFHL%22%2C%22fieldset%22%3A%22firsttimebuyers%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22b58849eb-62ab-4b2d-b118-1a5fbf1941bf%22%2C%22category_name%22%3A%22firsttimebuyers%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794378655%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22a0facb7e-8606-4566-95d8-3d9100e59d41%22%2C%22product_name%22%3A%22Lloyds%2BMortgages%22%2C%22post_id%22%3A%2220105%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to L&amp;C's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Lloyds Mortgages\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.4,\"badges\":[],\"productId\":\"a0facb7e-8606-4566-95d8-3d9100e59d41\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Lloyds offers the widest range of flexible support for first-time buyers, with a whole host of schemes and products designed to lower the entry bar for those hoping to get on the property ladder. The '\u00a35k Deposit' mortgage is a standout example of this, allowing first-time buyers to borrow more than 95% on properties worth up to \u00a3300,000. Lloyds' 'Lend a Hand' mortgage also means you - the first-time buyer - can buy with zero deposit, although it does require the bank of mum and dad to step in! It\u2019s worth noting that Lloyds only works directly with customers (it doesn\u2019t work through brokers), so it may be worth checking Lloyds deals separately, as they might have one your <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers\">broker<\/a> couldn't recommend.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__a0facb7e-8606-4566-95d8-3d9100e59d41\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__a0facb7e-8606-4566-95d8-3d9100e59d41\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t\u00a35k deposit option\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tFamily-supported zero deposit option\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t\u00a3500 cashback for family gifting deposit\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSupports a range of government schemes\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tDiscounts for Club Lloyds customers\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEco-friendly home rewards\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSaturday phone support available\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLimited options for bad credit\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMinimum borrowing of \u00a325,000\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-for-customer-satisfaction\" class=\"best-card__header\">Best for customer satisfaction<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-2\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"ukfhl\" data-table-record-type=\"product\"><tbody><tr data-product-id=\"90179a9f-f555-4fa5-b1f1-6b1c68483c58\" data-provider-id=\"169c8f40-4ea5-4e52-a3b7-3020e3d10d74\" data-product-name=\"Nationwide Building Society mortgages\" data-provider-name=\"Habito\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/nationwide-building-society-mortgages\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6527dc2f7b259.png\" alt=\"Habito logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6527dc2f7b259.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6527dc2f7b259.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6527dc2f7b259.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6527dc2f7b259.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6527dc2f7b259.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.1<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/nationwide-building-society-mortgages\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Nationwide Building Society mortgages<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                         sorter-false\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.1<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"5%\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum deposit\">\n                                                  5%\n                                                                  <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"6x income\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum first-time buyer borrowing\">\n                                                  6x income\n                                                                  <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Nationwide Building Society mortgages\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.1,\"badges\":[],\"productId\":\"90179a9f-f555-4fa5-b1f1-6b1c68483c58\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Nationwide consistently tops customer satisfaction lists for its mortgages, including Finder\u2019s own <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">awards<\/a>, making it our top pick in this category. Customers rate the helpful support, smooth process and good communication. Nationwide's \u2018Helping Hand\u2019 scheme is particularly popular with first-time buyers, as it allows eligible applicants to borrow up to 6x their income. You can also bag \u00a3500 cashback on completion, plus up to \u00a3500 extra for an energy-efficient home under the \u201cGreen Reward\u201d. However, the scheme is not open to self-employed applicants.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__90179a9f-f555-4fa5-b1f1-6b1c68483c58\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__90179a9f-f555-4fa5-b1f1-6b1c68483c58\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tBorrow 6x income with Helping Hand scheme\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t\u00a3500 cashback for first-time buyers\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t5% deposit options\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLarge branch network\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEco-friendly home rewards\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSaturday phone support available\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSelf-employed applicants not eligible for Helping Hand scheme\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLimited options for bad credit\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-for-no-deposit\" class=\"best-card__header\">Best for no deposit<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-3\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"ukfhl\" data-table-record-type=\"product\"><tbody><tr data-product-id=\"953bfc00-92c0-44a9-a364-fdf3b232b0f1\" data-provider-id=\"10be2346-8376-46f8-bd3d-44a34c873d67\" data-product-name=\"Skipton Building Society Mortgages\" data-provider-name=\"L&amp;C\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6aa9318944716.png\" alt=\"L&amp;C logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6aa9318944716.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aa9318944716.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aa9318944716.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aa9318944716.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aa9318944716.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Skipton Building Society Mortgages<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                         sorter-false\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\u00a30\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum deposit\">\n                                                  \u00a30\n                                                                  <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"5.5x income\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum first-time buyer borrowing\">\n                                                  5.5x income\n                                                                  <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Skipton Building Society Mortgages\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":9,\"badges\":[],\"productId\":\"953bfc00-92c0-44a9-a364-fdf3b232b0f1\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Skipton has a unique product on offer for first-time buyers who are currently renting - its 'Track Record' mortgage uses 12 months of rent payment history instead of asking for a deposit. This doesn\u2019t require a parent or guardian to chip in anything for the deposit, so it\u2019s a true 100% LTV mortgage. Other first-time buyer support offered by Skipton includes an 'Income Booster', where you can friends or family to your application to borrow more, and 'Delayed Start' mortgages, where no repayments are due for the first 1-3 months.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__953bfc00-92c0-44a9-a364-fdf3b232b0f1\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__953bfc00-92c0-44a9-a364-fdf3b232b0f1\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEligible renters can buy with no deposit\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSaturday phone support available\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMultiple dedicated first-time buyer products\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSupports a range of government schemes\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tLimited options for bad credit\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSome customers report app issues\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-for-low-credit\" class=\"best-card__header\">Best for low credit<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-4\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"ukfhl\" data-table-record-type=\"product\"><tbody><tr data-product-id=\"90025d1c-91ee-4321-b6f5-5556ebe75bfa\" data-provider-id=\"10be2346-8376-46f8-bd3d-44a34c873d67\" data-product-name=\"Kensington Mortgages\" data-provider-name=\"L&amp;C\" class=\"grid-column-count-3  mobile-column-count-2 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6aa932feb6125.png\" alt=\"L&amp;C logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6aa932feb6125.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aa932feb6125.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aa932feb6125.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aa932feb6125.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aa932feb6125.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.6<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Kensington Mortgages<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                         sorter-false\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,global.product.misc_ukfin_v2_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"document.getElementById('finderScoreModal-ukfhl').classList.remove('elementHidden');\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.6<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"5%\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum deposit\">\n                                                  5%\n                                                                  <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"4.5x - 6x income\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum first-time buyer borrowing\">\n                                                  4.5x - 6x income\n                                                                  <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Kensington Mortgages\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":7.6,\"badges\":[],\"productId\":\"90025d1c-91ee-4321-b6f5-5556ebe75bfa\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">For first-time buyers who might struggle to get approved on the high street - whether that's due to complex income or adverse credit - Kensington Mortgages is our top pick. It\u2019s a specialist lender with a team of expert underwriters - so every application is manually assessed by a human rather than going through an automated scoring system. Its flexible lending criteria means its more likely to accept applicants that other lenders can't. Maximum borrowing power varies depending on your circumstance, but public sector workers may be able to borrow 5x times their income, while professionals may be able to borrow 6x times their income.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__90025d1c-91ee-4321-b6f5-5556ebe75bfa\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__90025d1c-91ee-4321-b6f5-5556ebe75bfa\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tA human reviews your application\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tSpecialise in self-employed mortgages\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMore open to adverse credit\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tOffer professional and key worker schemes\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo branch support and limited service hours (weekdays only)\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tBroker-only, no way to apply direct\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tRates may be higher due to specialist status\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo specific products for first-time buyers\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFHL\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><h3 id=\"what_is_the_best_mortgage_for_me_as_a_first_time_buyer\">What are the best mortgage options for a first-time buyer?<\/h3><p>There\u2019s no one \u201cbest\u201d type of mortgage for first-time buyers, but there are a couple of features which might be more appealing to borrowers trying to get into the market.<\/p><ul><li><strong>A high maximum LTV.<\/strong> <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/how-to-calculate-your-ltv\"> LTV (loan-to-value) <\/a>refers to the amount you can borrow as a percentage of the property value, and is sometimes limited by mortgage lenders to 85%, but it can be as high as 95%. A 95% LTV means you can borrow 95% of the value of the property, requiring you to come up with at <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/95-percent-mortgages\">least a 5% deposit<\/a>. A LTV of 85% would mean your deposit was 15%. Our example below shows how the deposits compare for a 95% LTV mortgage to an 85% LTV.<br><article id=\"5percent-deposit\" class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>5% deposit<\/h4><ul><li>House price: \u00a3250,000<\/li><li>Deposit: \u00a312,500<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>15% deposit<\/h4><ul><li>House price: \u00a3250,000<\/li><li>Deposit: \u00a337,500<\/li><\/ul><\/div><\/div><\/div><\/article><\/li><li><strong>Specialist products.<\/strong> While 95% is generally the highest LTV, borrowers might also consider a few specialist schemes. Examples include Lloyds\u2019 \u2018\u00a35k Deposit\u2019 mortgage, which gives certain borrowers around a 98% on a \u00a3300,000 property, and Skipton\u2019s \u2018Track Record\u2019 mortgage, a zero-deposit option for renters.<\/li><li><strong>Guarantor options.<\/strong> Some providers offer first-time buyers the chance to secure their mortgage by getting a parent or family member to act as a guarantee against the property. This might be a good option for you if you only have a small deposit or even no deposit at all but have a family member who is able and willing to meet your monthly mortgage repayments if you are unable to do so.<\/li><li><strong>Minimal fees and low rates.<\/strong> If you\u2019re struggling to afford a property, you might want to keep costs down as low as possible. This means mortgages with minimal upfront or ongoing fees, and one with a low interest rate.<\/li><li><strong>Good customer service.<\/strong> If this is your first property and first home loan, you might want some expert advice to help you manage your loan better and be there in times of stress or emergency. For this reason you might want to select a lender with a proven track record of having great customer service.<\/li><\/ul><h3 id=\"how_do_i_compare_mortgages\">How to compare first-time buyer mortgages<\/h3><p>Once you\u2019ve found your dream home, the next step is to compare the lenders and mortgages available to you and approach the right option to secure a loan to finance your house purchase. Here\u2019s how you can start comparing first-time buyer mortgages in just a few steps:<\/p><ol><li><strong>Gather your details<\/strong>. The first step to start comparing mortgages is to have all your basic personal information to hand. Get hold of your recent bank statements, payslips, and a form of ID.<\/li><li><strong>Get an AIP or DIP<\/strong>. It\u2019s well worthwhile sorting an Agreement In Principle (AIP) as soon as you can. It doesn\u2019t tie you down to a lender but it will give you an idea about <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/first-time-buyer-mortgages\/first-time-buyer-how-much-can-i-borrow\">how much you can borrow<\/a> and show sellers and estate agents you\u2019re a serious buyer.<\/li><li><strong>Speak to a broker.<\/strong>. If you speak with an experienced <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers\">mortgage broker<\/a>, you can bring them all your personal information and they can assess and evaulate where to find the best mortgage.<\/li><li><strong>Compare mortgages<\/strong>. With all of your details to hand, a broker can carry out a whole-of-market comparsion and find the lender\u2019s that best suit your circumstances and finances. They\u2019ll also be able to help you compare the true cost of each mortgage (including the impact of rates and product fees).<\/li><\/ol><p>If you\u2019d like to do more of the comparison process yourself, here are some areas you can look into using documents provided by a prospective lender:<\/p><ul><li>Basic features of the home loan such as the interest rate, deposit and loan-to-value (LTV) requirements, and, options for term length.<\/li><li>The total amount you\u2019ll pay back over the course of the loan.<\/li><li>The establishment and ongoing fees applicable to the loan.<\/li><li>How much you\u2019ll repay each month and each year.<\/li><li>How much extra you\u2019d pay if your rates increased by a 1% p.a.<\/li><li>Whether you can overpay on the mortgage without being penalised.<\/li><\/ul><h3 id=\"what_types_of_mortgages_are_available_for_first_time_buyers\">Popular types of mortgage deals<\/h3><p>There are a number of different types of mortgages out there for first-time buyers; the right one for you depends on your personal circumstances.<\/p><h4><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/fixed-rate-mortgages\">Fixed-rate mortgage<\/a><\/h4><p>This is the most popular option among first-time buyers, with <a href=\"https:\/\/www.bbc.com\/news\/articles\/c4gv7vl06e1o\" target=\"_blank\" rel=\"noopener\">over 95%<\/a> choosing this structure. According to <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/first-time-buyer-statistics\">Finder statistics<\/a>, there were 967,000 first-time buyers in the UK during 2025. So this means roughly 918,000 of those selected a fixed-rate mortgage.<\/p><p>A fixed rate means your interest rate would be fixed for the term of the deal which can typically be between 2 and 10 years. With fixed rate mortgages your repayments will also stay the same each month, which might appeal to those who like to budget and know how much they\u2019re spending each month.<\/p><h4><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/tracker-mortgages\">Tracker mortgages<\/a><\/h4><p>This type of mortgage \u201ctracks\u201d an underlying interest rate such as the base rate set by the Bank of England (BoE) and then an additional set percentage margin above it. It\u2019s a type of variable mortgage as the interest you will be required to pay on your mortgage will rise and fall in line with this base line interest rate.<\/p><h4><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/interest-only-mortgages\">Interest-only mortgages<\/a><\/h4><p>Interest-only are extremely rare for first-time buyers because these loans will see none of your repayments go towards the capital you owe the lender, but rather completely to the interest that\u2019s due. This means your loan will never get smaller, but also means your repayments will be smaller than with an equivalent capital and interest loan.<\/p><p>If paying off a home is your aim, interest-only loans may see the process lengthened, and may see you pay more interest than with an equivalent principal and interest loan.  <\/p><h3 id=\"common_loan_features\">What are some typical mortgage features to look out for?<\/h3><p>Even once you\u2019ve chosen what loan type you\u2019re after, there are a number of features in addition to the interest rate and fees you\u2019ll pay which will complete the comparison phase. Some of the more common features offered on a home loan are explained below:<\/p><ul><li><strong>Offset.<\/strong> An offset feature works by linking your savings accounts to your mortgage and allows any funds in the account to cancel out, or \u2018offset\u2019 some of the interest due on the outstanding mortgage amount. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/offset-mortgages\">offset mortgages<\/a>.<\/li><li><strong>Additional repayments. <\/strong> Many loans offer the option to put extra money towards paying off your mortgage, and extra repayments can help to reduce the loan term quicker and the interest you pay. Some variable rate loans and most fixed rate loans will have a maximum amount of extra funds you can put towards your loan each year, while others may not allow any amount of additional repayments to be made.<\/li><li><strong>Borrow back.<\/strong> If you have overpaid on your mortgage you can borrow back and withdraw the money previously overpaid to use for whatever you like. This allows for flexibility to get access to funds in the event you need them but make sure you read the fine print, as some mortgages will have a minimum amount you can redraw at any one time.<\/li><li><strong>Mortgage portability.<\/strong> Selling a property and then buying another usually requires the closing of one mortgage and the opening of a new one. mortgage portability is an option that allows you to keep your loan and simply transfer it over to the new property, meaning you can avoid paying fees such as application fees or cancellation costs. This option typically has a number of requirements, such as keeping the mortgage amount the same and carrying out the exchange and settlement of both properties on the same day and same time.<\/li><li><strong>Repayment frequency.<\/strong> Each repayment you make will get you closer to paying off your mortgage, and the frequency at which you make them is another choice you can make with most mortgages. Most allow for weekly, fortnightly and monthly repayments, so you can choose to pay it off in a way that suits your income.<\/li><\/ul><div id=\"ukfhlhro\"><style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22offer_id%22%3A%223781%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%2220105%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5df755de81828.png\" alt=\"L&amp;C First time buyer\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5df755de81828.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5df755de81828.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5df755de81828.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Live rates from 80+ lenders<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Compare over 80 mortgage lenders<\/li>\r\n\r\n<li>Fee FREE mortgage advice<\/li>\r\n\r\n<li>Personal customer service from start to finish<\/li>\r\n\r\n<li>Open 7 days a week<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22offer_id%22%3A%223781%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%2220105%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Go to site<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><h3 id=\"first_time_buyer_schemes\">UK first-time buyer schemes<\/h3><p>There are schemes available to those who are struggling to become homeowners, including those who want to get a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/first-time-buyer-mortgages\/can-a-single-person-get-a-mortgage\">mortgage on a single income<\/a>. These attempt to make it easier for you to get your foot on the property ladder, usually by making it easier to get a deposit or artificially lowering how much you need for your deposit. <\/p><p>The schemes available can depend on your region, and each will have qualifying criteria, but here\u2019s a rundown of the main options:  <\/p><ul><li><strong>Lifetime ISA (LISA).<\/strong> Save up to \u00a34,000 per year and receive a 25% government bonus (up to \u00a31,000 annually) to use toward your deposit on a home worth up to \u00a3450,000.<\/li><li><strong>Mortgage Guarantee Scheme.<\/strong> A government-backed initiative that encourages lenders to offer 95% mortgages, allowing you to buy with just a 5% deposit on properties worth up to \u00a3600,000.<\/li><li><strong>First Homes Scheme (England).<\/strong> Offers local first-time buyers and key workers a discount of 30% to 50% on the market value of new-build homes, with the discount staying with the property forever.<\/li><li><strong>Shared Ownership (England).<\/strong> Purchase a share of a property (usually between 10% and 75%) and pay rent on the remaining portion, with the option to buy more shares (\u201cstaircasing\u201d) later.<\/li><li><strong>LIFT Open Market Shared Equity (Scotland):<\/strong> Helps you buy a home on the open market by providing a government contribution of up to 40% toward the price, which is repaid when the property is sold.<\/li><li><strong>Help to Buy (Wales).<\/strong> An equity loan scheme available until September 2026 that provides up to 20% of the cost of a new-build home (up to \u00a3300,000), which is interest-free for the first five years.<\/li><li><strong>Co-Ownership (Northern Ireland).<\/strong> A shared ownership scheme where you buy as much of the home as you can afford (starting from a 50% share) and Co-Ownership buys the rest, applicable to homes worth up to \u00a3215,000.<\/li><li><strong>First-Time Buyer Stamp Duty Relief.<\/strong> In England and Northern Ireland, you pay \u00a30 Stamp Duty on properties up to \u00a3300,000. For homes priced between \u00a3300,001 and \u00a3500,000, you pay a discounted rate of 5% only on the portion above \u00a3300,000.<\/li><\/ul><h3 id=\"do_first_time_buyers_have_to_pay_stamp_duty\">First-time buyers and stamp duty<\/h3><p>If you\u2019re a first-time buyer in England or Northern Ireland, you will pay no stamp duty on properties worth up to \u00a3300,000.<\/p><p>For properties priced between \u00a3300,001 and \u00a3500,000, you pay 5% on the portion above the \u00a3300,000 mark. For example, if you buy a home for \u00a3400,000, you\u2019ll pay 5% on \u00a3100,000\u2014a tax bill of \u00a35,000.<\/p><h4>The \u00a3500,000 \u201cCliff Edge\u201d<\/h4><p>Be careful: if the property you\u2019re buying is worth over \u00a3500,000, you lose first-time buyer relief entirely. You will instead pay standard residential rates, which start much lower at the \u00a3125,000 threshold. This means buying a house for \u00a3505,000 would result in a significantly higher tax bill than one bought for \u00a3500,000.<\/p><h4>Shared Ownership<\/h4><p>First-time buyers under Shared Ownership schemes can claim relief on homes with a market value of up to \u00a3500,000. You can choose to pay stamp duty on the full market value upfront or pay in stages as you buy more shares (\u201cstaircasing\u201d). If you choose to pay in stages, you generally don\u2019t pay stamp duty on the rent or the initial lease.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">What is Stamp Duty?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/stamp-duty-calculator\">Stamp Duty<\/a> is a lump-sum tax you pay to the government when purchasing a property or land worth over a certain price in England and Northern Ireland. As of May 2026, the standard threshold at which you start paying this tax is \u00a3125,000 for residential homes, though first-time buyers benefit from a higher tax-free limit of \u00a3300,000. The total amount you owe is calculated using a tiered system, where different tax percentages apply to different portions of the property\u2019s purchase price.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>How do I get approved as a first-time buyer?<\/h3><p>Here are some simple steps to help improve your chances of mortgage approval as a first-time buyer (FTB):<\/p><ul><li><strong>Save a bigger deposit.<\/strong> While some lenders still offer 5% deposit mortgages, a larger deposit can improve your approval chances and help you access lower rates.<\/li><li><strong>Use a Lifetime ISA (LISA).<\/strong> The government adds a 25% bonus on up to \u00a34,000 of savings each tax year for eligible first-time buyers.<\/li><li><strong>Consider a gifted deposit.<\/strong> Many lenders accept deposits gifted by parents or close family members, provided the money is a genuine gift. Some banks, like Lloyds, even grant rewards for family members who gift to help with a deposit.<\/li><li><strong>Apply jointly if appropriate.<\/strong> Joint applications can increase your borrowing power because lenders assess combined income. Just remember all applicants are equally responsible for repayments.<\/li><li><strong>Improve your credit profile.<\/strong> Pay bills on time, stay within overdraft limits and avoid missed payments before applying.<\/li><li><strong>Check your credit report.<\/strong> Correct any mistakes and make sure you\u2019re registered on the electoral roll at your current address.<\/li><li><strong>Reduce existing debts and spending.<\/strong> Lower monthly outgoings can improve affordability assessments and strengthen your application.<\/li><li><strong>Avoid multiple mortgage applications.<\/strong> Too many hard credit checks in a short period can hurt your credit profile.<\/li><li><strong>Borrow within your budget.<\/strong> Most lenders typically offer around 4 to 4.5 times your annual income, depending on affordability.<\/li><li><strong>Use a mortgage broker.<\/strong> Brokers like <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/tembo\">Tembo<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/habito\">Habito<\/a> or L&amp;C Mortgages can help match you with lenders more likely to approve your application and may identify deals not available directly.<\/li><\/ul><h3 id=\"best_first_time_buyer_mortgage_lenders\">How to choose the best mortgage lender as a first-time buyer<\/h3><p>If you\u2019re lucky enough to be able to save up a big enough deposit and afford the mortgage repayments, there are plenty of mortgage lenders who will consider lending to you. But, if not, there are a number of specialist mortgage types offered by a more limited number of lenders that are designed to help.<\/p><p>It\u2019s a good idea to speak to a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers\">mortgage broker<\/a> (which you can now even do online with companies like Habito or Mojo Mortgages) who can look at the whole market to help you find the best deal. Some products are also only available through brokers.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Standard first-time buyer mortgages<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As lenders tend to offer initial deals over a number of years before moving you onto their higher standard variable rate for the rest of the mortgage term, you should switch to a new deal \u2013 either from the same lender or a different one \u2013 at the end of the initial period. For this reason, to find the cheapest deal you should look at the total cost (including fees, which can bump up the cost significantly) over this period rather than the whole term.<\/p><p>The more deposit you have, the cheaper the deals you can generally get. We found that 75% LTV rates were around a percentage point lower than 90% LTV rates.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Shared ownership mortgages<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>With shared ownership, you buy a share of a property through a housing association and pay rent on the rest. You can either buy a newly built home or one that is being resold.<\/p><p>It makes buying the property more affordable because you only need a deposit of 5% of the share you are buying to put towards the mortgage, and the rent you pay on the rest is lower than the usual market rate. You can start by owning just a 25% share but increase it as you can afford to if you wish.<\/p><p>There\u2019s a Help to Buy shared ownership scheme in England and other schemes throughout the UK. You need to be a first-time buyer or a previous property owner who can\u2019t afford to buy a home outright now.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Guarantor mortgages<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A guarantor mortgage lets you borrow up to 100% of the property price with a family member, such as parents, using their savings or equity in their property as security for the loan. They will usually be released from this arrangement once certain criteria are met. Make sure you take product fees into account when looking at which are the cheapest deals over the initial period.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>Application process<\/h3><h4>1. Research<\/h4><p>Before you apply for a mortgage, it\u2019s important that you understand the different types available and how interest on them is calculated. From this, you can work out how much you can borrow based on your savings and your income, using online affordability tools.<\/p><h4>2. Speak to a mortgage broker<\/h4><p>Speak to a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers\">mortgage broker<\/a>, who will search the market for a deal that is best suited to your situation. But make sure you check that they are on the Financial Services Register first, which will ensure they are properly authorised.<\/p><h4>3. Find your property<\/h4><p>The next important step is to find a property within the budget you have set out. Once you\u2019ve found this perfect home, go back to the lender and begin the mortgage application. This will involve detailed research into your finances, including earnings, expenditure and a full credit check with a credit reference agency.<\/p><h3>After the mortgage: your surveys and conveyancing<\/h3><p>Once you\u2019ve had a mortgage offer accepted, you\u2019ll need to do two things:<\/p><ul><li>Get a property survey sorted<\/li><li>Hire a solicitor or conveyancer<\/li><\/ul><h4>Property survey<\/h4><p>A property survey is an inspection of your property that shows you any problems with it \u2013 before you move in. The idea is you face no nasty surprises when you actually buy the place, like finding out you have to do extensive repairs or that there\u2019s damp.<\/p><p>It\u2019s different from a lender\u2019s valuation survey, which your lender uses to check they\u2019re not lending you more money than the property is worth. The lender\u2019s valuation survey is super basic and doesn\u2019t look at potential defects in the property.<\/p><p>If you want an independent check \u2013 designed to reassure you, rather than the lender \u2013 it\u2019s worth doing your own survey.<\/p><h4>The different types of property survey<\/h4><p>There are a few different types of survey \u2013 here they are ordered from most basic to the deepest inspection.<\/p><ul><li><strong>Condition Report.<\/strong> a basic survey that\u2019s best for new builds and homes in good condition. Gives you no advice about what repairs you might want to do. Costs around \u00a3250.<\/li><li><strong>Homebuyer\u2019s Report.<\/strong> this one looks for structural problems, like damp, though it doesn\u2019t look beyond the walls or floorboards. Some homebuyer\u2019s reports come with a property valuation that gives you an independant idea of the property price. But not all of them do. This one comes with advice on repairs and maintenance too. Costs start at \u00a3400.<\/li><li><strong>Building Survey.<\/strong> the most comprehensive type of survey, usually for older homes or homes that need repairs. This looks even more closely at the structure of your property and gives you detailed advice on the kinds of repairs it needs. Costs around \u00a3400\u2013\u00a3500.<\/li><\/ul><p>If your survey does find problems, don\u2019t panic. That usually happens. You\u2019ll have a number of options for how to proceed. You can get a quote for repairs and see if you feel it\u2019s worth it. Or you could make a lower offer on the property price. If it all feels like too much, you\u2019re still allowed to just walk away \u2013 you haven\u2019t signed anything yet!<\/p><h4>Conveyancing<\/h4><p>The legal side of buying a property is called conveyancing. You\u2019ll need to hire either a solicitor or a conveyancer to handle this for you. It doesn\u2019t matter which!<\/p><p>In Scotland, you\u2019ll need to think about it earlier, because you can only make a formal offer on a property through a solicitor. So you\u2019ll need to hire one before you even start looking at houses.<\/p><h4>What does a conveyancer do?<\/h4><p>You conveyancer or solicitor will do all the work you need to buy legally and safely. Here are some of the things they\u2019ll do:<\/p><ul><li><strong>Draw up the contract between you and the seller<\/strong> to actually buy the property<\/li><li><strong>Comprehensive checks on the property<\/strong> you want to buy \u2013 these are called \u2018property searches\u2019. They check things like the risk of flooding in your area, and whether your council is planning to build anything major nearby<\/li><li><strong>Exchange contracts<\/strong> between you and the seller (by talking to the seller\u2019s solicitor)<\/li><li><strong>Transfer the money to the seller<\/strong><\/li><li><strong>Pay your Stamp Duty<\/strong> on your behalf (using your money of course, but making the transfer themselves)<\/li><\/ul><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What documentation will I need?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>What is required will vary between lenders, and may also vary depending on your personal circumstances but the points below are a good starting point:<\/p><ul><li>Utility bills.<\/li><li>Proof of benefits received.<\/li><li>P60 form from your employer.<\/li><li>Paylsips for the last three months.<\/li><li>Passport or driving licence (to prove your identity).<\/li><li>Bank statements of your current account for the last three to six months.<\/li><li>Statement of two to three years\u2019 accounts from an accountant if self-employed.<\/li><li>Tax return form SA302 if you have earnings from more than one source or are self-employed.<\/li><li>Self-employed people should look to provide information alongside their tax return, which supports what the SA302 says about their income, such as bank statements.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What if my mortgage application is declined?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There may be a few reasons the lender has declined your application. Firstly, it\u2019s a good idea to check that all the information you provided is correct and that you\u2019ve reviewed everything carefully.<\/p><p>If you\u2019re not earning enough or you\u2019re spending too much, the lender might have decided that you would not be able to afford your repayments. In this case, it\u2019s wise to rethink the size of the mortgage you are applying for and how to budget your spending.<\/p><p>One major barrier for getting a mortgage can be your credit history, particularly if you have a history of missed payments, defaults or insolvency. Checking your credit report thoroughly before you apply can help spot any problems that might concern a lender.<\/p><p>If you do have credit issues, it\u2019s a good idea to ensure all your debts are cleared and try to re-build your credit history by making reliable and regular repayments before applying again.<\/p><p>It\u2019s also possible to get something called a guarantor mortgage if you cannot secure a mortgage on your own. This is when another person, usually a relative or close friend, agrees to accept responsibility for the debt in the event that you are unable to keep up repayments. <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/declined-mortgage-application\">Learn more about what to do if your mortgage application is declined<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I get a buy-to-let mortgage?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Put simply, yes, but you may be limited when it comes to getting a mortgage. The first question to ask is, are you a first-time landlord or a first-time buyer? <\/p><p>This is key as a large percentage of lenders need you to have owned your own residential property for at least six months before they will offer you a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/buy-to-let-mortgages\">buy-to-let mortgage<\/a>. Others will only ask that you own a property, so you could have another buy-to-let property while living in rented accommodation. <\/p><p>However, if you\u2019re a first-time buyer or don\u2019t currently own a property, your mortgage options will be limited.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">What deposit do I need?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Before looking at properties, you need to save for a deposit. Generally, this should be at least 5\u201320% of the cost of the home you would like to buy. For example, if you want to buy a home costing \u00a3150,000, you\u2019ll need to save at least \u00a37,500. We recommend saving more than 5% if possible, which will give you access to a wider range of cheaper mortgages available on the market.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">How long does it take to get a mortgage?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The entire mortgage process has several parts, including getting pre-approved, getting the home appraised and getting the actual loan. In a normal market, this process takes about 30 days on average.<\/p><p>During high-volume months, it can take longer, somewhere between 45 to 60 days, depending on the lender. If any financial issues are discovered in your record such as a low credit score, previous foreclosure or overwhelming debt, getting a mortgage may be a much slower process.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div class=\"sources sources__f1\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\" data-toc-label=\"Sources\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_0000000003\" data-toggle=\"collapse\" data-target=\"#sources_0000000003\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.moneyhelper.org.uk\/en\/homes\/buying-a-home\/first-time-buyer-money-tips\" target=\"_blank\">Moneyhelper<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.citizensadvice.org.uk\/housing\/moving-and-improving-your-home\/buying-a-home\/\" target=\"_blank\">Citizens Advice<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n  <\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Representative example <\/strong><br>A mortgage of \u00a3231,739 payable over 24 years, initially on a fixed rate until 31\/10\/28 at 4.99% and then on a variable rate of 6.29% for the remaining 22 years would require 27 payments of \u00a31,381.91 followed by 261 payments of \u00a31,547.62. The total amount payable would be \u00a3441,240 made up of the loan amount plus interest (\u00a3209,501) and fees (\u00a30). The overall cost for comparison is 6.2% APRC representative.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article><\/div>","protected":false},"excerpt":{"rendered":"<p>Learn how to apply for a mortgage as a first-time buyer.<\/p>\n","protected":false},"author":645,"featured_media":21733,"parent":18975,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-masthead-two-column.php","meta":{"_yoast_wpseo_focuskw":"First time buyer","_yoast_wpseo_title":"Compare the best first-time buyer mortgages | %%sitename%%","_yoast_wpseo_metadesc":"Compare the best first-time buyer mortgages and find the best rate. Understand your mortgage options by comparing rates and features.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"1273","post_editor_date":"","post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-10-15 11:26:07\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We refreshed and updated this guide and added a new section on our top picks for first-time buyer mortgage lenders.  \"}","_last_major_update":"{\"isOn\":false,\"date\":\"02\/01\/2019\"}","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"tags":[3751],"class_list":["post-20105","page","type-page","status-publish","has-post-thumbnail","hentry","tag-money-mortgages"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Compare the best first-time buyer mortgages | Finder UK<\/title>\n<meta name=\"description\" content=\"Compare the best first-time buyer mortgages and find the best rate. Understand your mortgage options by comparing rates and features.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/mortgages\/first-time-buyer-mortgages\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best mortgage lenders for first-time buyers in the UK 2026\" \/>\n<meta property=\"og:description\" content=\"Compare the best first-time buyer mortgages and find the best rate. 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