{"id":576155,"date":"2026-05-01T11:40:11","date_gmt":"2026-05-01T10:40:11","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=576155"},"modified":"2026-05-01T13:18:07","modified_gmt":"2026-05-01T12:18:07","slug":"help-and-advice","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/first-time-buyer-mortgages\/help-and-advice","title":{"rendered":"Help and advice for first-time buyers getting a mortgage"},"content":{"rendered":"<p>Navigating the mortgage maze as a first-time buyer can be tricky \u2013 which is why using a free mortgage advice service can make the world of difference. With 34% of buyers citing speed as a competitive edge, <a href=\"https:\/\/www.habito.com\/blog\/38-of-homeowners-feel-like-theyre-racing-against-other-buyers\" target=\"_blank\" rel=\"noopener\">according to Habito<\/a>, securing the right mortgage early in the process is essential for those looking to successfully purchase their dream home.<\/p><h3>How to choose the right mortgage as a first-time buyer?<\/h3><p>One of the most important choices to make when you\u2019re buying your first home is what mortgage to go for. Here are a few things to consider:<\/p><ul><li><strong>Deposit tier (LTV).<\/strong> You\u2019ll need to decide how much of a deposit you can put down. <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/first-time-buyer-statistics\">Stats from Finder<\/a> show the average first-time buyer deposit is \u00a361,090 \u2013 around 20% of the average house price for a first-time buyer (\u00a3311,034). However, there are mortgages available where you only need a 5% deposit.<\/li><li><strong>Fixed or tracker.<\/strong> The type of product you choose will determine your monthly payments. A fixed rate mortgage offers stability with set monthly payments over the term of the mortgage, whereas a tracker mortgage is linked to the Bank of England base rate.<\/li><li><strong>Mortgage term.<\/strong> The final piece of the puzzle is the length of your mortgage term. A longer term would mean lower monthly payments, but higher total interest costs over time.<\/li><\/ul><h3>What to look for when choosing a mortgage adviser<\/h3><p>A mortgage adviser can guide you through the choices you need to make to find the right mortgage.<\/p><p>When looking for mortgage advice, you want to make sure that it\u2019s impartial. You\u2019ll find that some brokers or advice services will have arrangements with certain providers to upsell their mortgages. However, services like <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/habito-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Habito%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%2211938%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%2218cbd7d1-43dc-4dc4-8b63-1ca91645b6ed%22%2C%22product_name%22%3A%22Habito%22%2C%22provider_id%22%3A%22169c8f40-4ea5-4e52-a3b7-3020e3d10d74%22%2C%22provider_name%22%3A%22Habito%22%2C%22post_id%22%3A%22576155%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%252Fhelp-and-advice%22%2C%22post_country%22%3A%22uk%22%7D\">Habito<\/a> offer free, unbiased advice. <\/p><p>Advisers can talk you through the different mortgage types, what your monthly payments would look like and any further details like mortgage fees or overpayment charges. <\/p><p>Once you\u2019ve chosen your mortgage, there are services that can guide you through the application process to make sure it goes smoothly. For example, Habito has a team of expert advisers who can guide you through the process completely online \u2013 there\u2019s no need for in-person appointments. <\/p><div class=\"u-grid has-padding-top-small\"><div class=\"u-grid__col u-1\/2 u-1\/4@s\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_1.png\" alt=\"A smartphone with the Habito registration journey showing.\" width=\"300\" height=\"620\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_1.png?fit=900 900w\" sizes=\"(max-width: 900px) 50vw, 900px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/2 u-1\/4@s\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_2b.png\" alt=\"A smartphone with the Habito online first-time buyer journey showing which stages (such as 'Tell us what you are looking for') have been completed.\" width=\"300\" height=\"620\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_2b.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_2b.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_2b.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_2b.png?fit=900 900w\" sizes=\"(max-width: 900px) 50vw, 900px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/2 u-1\/4@s\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_3.png\" alt=\"A smartphone with the Habito online mortgage advice live chat showing. A qualified mortgage expert is explaining how he can help the first-time home-buyer he is speaking with.\" width=\"300\" height=\"620\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_3.png?fit=900 900w\" sizes=\"(max-width: 900px) 50vw, 900px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/2 u-1\/4@s\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_4.png\" alt=\"A smartphone showing a first-time buyer receiving a recommendation about fees from an expert, human mortgage adviser in an online live chat.\" width=\"300\" height=\"620\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/habito_screenshot_4.png?fit=900 900w\" sizes=\"(max-width: 900px) 50vw, 900px\" loading=\"lazy\"><\/div><\/div><div class=\"luna-caption has-padding-bottom-large\">Habito is one example of a free service providing expert, one-to-one advice to first-time buyers. After completeing a simple online form, you\u2019ll be assigned a qualified adviser who will chat with you directly to answer your questions and help you with the process.<\/div><h3>First-time buyer testimonial<\/h3><div class=\"eeQuote box u-rounded--lg source-external type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                        <img decoding=\"async\" alt=\"Louise's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/louise_300_300.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" loading=\"lazy\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/louise_300_300.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/louise_300_300.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/louise_300_300.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">How did a mortgage adviser make buying your first home a better experience?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Everything can change up until you lock in your final mortgage rate, so it can be difficult to accurately budget and plan until it\u2019s all signed off. In periods of flux, if the process is delayed too long, it can seriously affect the affordability of your monthly mortgage repayments. My mortgage broker drastically reduced the amount of admin I had to do by making applications on my behalf and anticipating additional documents and requirements in advance. He was available for advice and concerns at all times, and was instrumental in pushing the process along to secure me the best rate possible. For me, having a real human expert to hand was invaluable. My broker became almost like a home-buying counsellor throughout the process (give the guy a raise!), able to answer my very specific questions and support with those expected and unexpected issues that always seem to crop up. \"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Louise\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">London<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3>Government-backed schemes for first-time buyers<\/h3><p>As a first-time buyer, there are several government-backed schemes in place to help you get on the property ladder. Your mortgage adviser can talk you through these and help you to decide if they\u2019re a good option for you. <\/p><h4>First Homes scheme<\/h4><p>As a first-time buyer in England, you may be able to buy a property for 30% to 50% less than its market value under the <a href=\"https:\/\/www.gov.uk\/first-homes-scheme\" target=\"_blank\" rel=\"noopener\">First Homes scheme<\/a>. <\/p><p>The home either needs to be a new home built by a developer, or a home bought through an estate agent, which someone else bought before through the scheme. <\/p><p>To be eligible, you\u2019ll need to be:<\/p><ul><li>18 or older<\/li><li>A first-time buyer<\/li><li>Able to get a mortgage for at least half the price of the home<\/li><li>Not earn more than \u00a380,000 a year before tax (\u00a390,000 if the property is in London)<\/li><\/ul><p>It\u2019s also worth noting that councils may set their own local eligibility criteria, which you would have to meet in order to qualify for the scheme. <\/p><h4>Freedom to buy (Mortgage guarantee scheme)<\/h4><p>Under this scheme, the government will provide a guarantee to the lender on mortgages where the buyer has a deposit as small as 5%. <\/p><p>This scheme is more for the mortgage provider than for you as a first-time buyer, but it does mean that there should be mortgages available which only require a 5% deposit. <\/p><h4>Shared ownership<\/h4><p>The shared ownership scheme is not just for first-time buyers, but it is designed to help people get on the property ladder. Here you can buy a share of a home from the landlord (typically the council or a housing association) and pay rent on the remaining share. <\/p><p>You\u2019ll need a mortgage to pay for your share of the property, which can be between 25% and 75% of the home\u2019s full value.  <\/p><h4>Lifetime Individual Savings Account (LISA)<\/h4><p>A LISA is a savings account designed to help you save for your first home. You can save up to \u00a34,000 a year until you\u2019re 50, and the government will add a 25% bonus to your savings \u2013 up to a maximum of \u00a31,000 a year. <\/p><p>To save into a LISA you must be aged between 18 and 39, and make your first payment into your LISA before you\u2019re 40. <\/p><p>Just a note \u2013 if you don\u2019t use the money in the account towards your deposit, then you\u2019ll face penalty charges. <\/p><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">What questions should I ask a mortgage adviser as a first-time buyer?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>There are some key questions that you should ask your mortgage adviser. Firstly, ask if they are \u201cwhole of market\u201d (like <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/habito-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Habito%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%2211938%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%2218cbd7d1-43dc-4dc4-8b63-1ca91645b6ed%22%2C%22product_name%22%3A%22Habito%22%2C%22provider_id%22%3A%22169c8f40-4ea5-4e52-a3b7-3020e3d10d74%22%2C%22provider_name%22%3A%22Habito%22%2C%22post_id%22%3A%22576155%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%252Fhelp-and-advice%22%2C%22post_country%22%3A%22uk%22%7D\">Habito<\/a>) or if they\u2019re restricted to a specific panel of lenders. When it comes to the mortgage itself, ask what the total cost of the mortgage is over the initial term and if adding more to your deposit will make a change to your interest rate options. Finally, ask if there are any first-time buyer schemes that you may qualify for.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">Is it recommended to get a mortgage adviser as a first-time buyer? <\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>For most first-time buyers, it\u2019s highly recommended to use a mortgage adviser. One of the biggest risks for a first-time buyer is a rejected application, which can affect your credit score. An adviser will know which lenders are more likely to accept a first-time buyer application and can often secure a decision in principle within hours to help you prove you\u2019re a serious buyer.   <\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">Are mortgage advisers free for first-time buyers?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Not all mortgage advisers are free; many local or specialist brokers charge a fee for their advice alongside the commission they receive from the lender. However, brokers like <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/habito-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Habito%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%2211938%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%2218cbd7d1-43dc-4dc4-8b63-1ca91645b6ed%22%2C%22product_name%22%3A%22Habito%22%2C%22provider_id%22%3A%22169c8f40-4ea5-4e52-a3b7-3020e3d10d74%22%2C%22provider_name%22%3A%22Habito%22%2C%22post_id%22%3A%22576155%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%252Fhelp-and-advice%22%2C%22post_country%22%3A%22uk%22%7D\">Habito<\/a>, <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-general-mortgage-queries-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22London%2B%255BAMPERSAND%255D%2BCountry%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22064983ae-f801-49ac-990b-1bc452f71e23%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BGeneral%2Bmortgage%2Bqueries%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%22576155%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%252Fhelp-and-advice%22%2C%22post_country%22%3A%22uk%22%7D\">London &amp; Country<\/a> and <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/mojo-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Mojo%22%2C%22site%22%3A%22UKFHL%22%2C%22offer_id%22%3A%2211936%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%22ac76f125-3eed-440e-a244-6f23a6681f10%22%2C%22product_name%22%3A%22Mojo%2BMortgages%22%2C%22provider_id%22%3A%22bc425594-9205-4768-bf3b-ae11e04345c6%22%2C%22provider_name%22%3A%22Mojo%2BMortgages%22%2C%22post_id%22%3A%22576155%22%2C%22post_path%22%3A%22mortgages%252Ffirst-time-buyer-mortgages%252Fhelp-and-advice%22%2C%22post_country%22%3A%22uk%22%7D\">Mojo<\/a> are completely free of charge.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">What deposit do I need as a first-time buyer?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>The average first-time buyer deposit in the UK is \u00a361,090, approximately 20% of the average house price for first-time buyers, according to Finder research. However, there are mortgages available that only require 5%, 10% and 15% deposits. It\u2019ll depend on your individual circumstances and the property you are purchasing as to how much deposit you\u2019ll put down.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">Do first-time buyers pay stamp duty?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Yes, first-time buyers in England and Northern Ireland are required to pay stamp duty. How much will depend on the price of the property. You can calculate how much you\u2019ll need to pay using <a href=\"https:\/\/www.tax.service.gov.uk\/calculate-stamp-duty-land-tax\/\" target=\"_blank\" rel=\"noopener\">gov.uk\u2019s Stamp Duty Land Tax<\/a> calculator.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">What is a mortgage broker?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>A mortgage broker is the middleman between you and mortgage lenders. They\u2019ll use their expertise to find the right mortgage product for you, at the best rate, and apply on your behalf. Mortgage brokers will charge a fee in a variety of ways: a one-off fee, a percentage of the loan or commission from the mortgage provider. They should be upfront about this in advance.<\/p><p>A mortgage broker isn\u2019t essential and you might prefer to research lenders and make the applications yourself (which is no small task). Alternatively, you could look into online mortgage brokers like Habito.<\/p><p>Mortgage brokers or advisers must complete a Certificate in Mortgage Advice and Practice (CeMAP), which is a qualification approved by the Financial Conduct Authority (FCA). Unless you have very specific requirements, ideally you want a full-market broker, which means they have access to the majority of mortgage products available on the market.<\/p><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Want to know how to choose the right mortgage as a first-time buyer? Our guide will give you everything you need to know to find the help and advice you need.<\/p>\n","protected":false},"author":1329,"featured_media":576160,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":[],"blockTemplateId":"","_post_hreflang":"","related_url":"","footnotes":""},"categories":[22879],"tags":[129658],"asset_tag":[],"class_list":["post-576155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-first-time-buyer-mortgages","tag-latest-3-latest"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Help and advice for first-time buyers getting a mortgage - Finder UK<\/title>\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\/help-and-advice\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Help and advice for first-time buyers getting a mortgage\" \/>\n<meta property=\"og:description\" content=\"Want to know how to choose the right mortgage as a first-time buyer? 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