Your first mortgage, without the mystery.
From working out what you can borrow, to picking the right survey, to the day your keys land in your hand — we walk the whole route with you.
What we cover for first-time buyers
Deposit & savings
How much you really need, and which schemes (Lifetime ISA, shared ownership, First Homes) fit your circumstances.
Affordability
A realistic borrowing figure based on lender criteria, not a generic online calculator.
Agreement in Principle
So you can offer on properties with confidence — usually within 48 hours.
Stamp Duty
Current first-time buyer thresholds explained, and how to structure joint purchases tax-efficiently.
Surveys & solicitors
Vetted panel of conveyancers and surveyors we’ve worked with for years.
After completion
With your consent, review reminders tied to your current deal, so your rate never quietly rolls onto the standard variable rate.
Free download
First Time Buyer Guide
A detailed 9-page guide to deposits, affordability, schemes, buying costs, mortgage choices, surveys, legal checks, application steps and key mortgage terms.
Target market
This service is designed for UK-resident consumers aged 18+ who are first-time buyers seeking regulated first-charge residential mortgage advice on a property they will live in. It is suitable for employed, self-employed, contractor, retired and complex-income applicants who can evidence a deposit and lawful UK residency. It is not intended for commercial lending, buy-to-let investment, or applicants who cannot evidence lawful UK residency.
What if your mortgage was solved, not sold?
Book a no-obligation fact-finding call with a qualified adviser. We’ll search the whole market and come back with a fully costed recommendation.