How much deposit do first-time buyers need in the UK?

Many lenders offer first-time buyer mortgages with deposits starting from 5%, although larger deposits can sometimes access better mortgage rates.

Can I get a mortgage as a first-time buyer?

Yes — many lenders offer mortgages specifically designed for first-time buyers, depending on your income, affordability, deposit, and credit history.

What credit score do I need for a mortgage?

There’s no single minimum score. Lenders assess your overall financial situation, including affordability, payment history, and existing commitments.

What costs should first-time buyers budget for?

In addition to your deposit, you may need to budget for solicitor fees, surveys, mortgage fees, insurance, and moving costs.

Is this first-time buyer guide free?

Yes — the guide is completely free and designed to help first-time buyers better understand the home-buying process.

Free First-Time Buyer Guide UK

Everything You Need to Know About Buying Your First Home Safely

Download your FREE step-by-step guide to understanding mortgages, deposits, affordability, and the home-buying process for first-time buyers in the UK.

Buying Your First Home Doesn’t Need to Feel Overwhelming

If you’re a first-time buyer in the UK, you may be wondering:

How much deposit do I need?
Can I get a mortgage?
How much can I borrow?
What are the real costs of buying a home?
Where do I even start?

Our free First-Time Buyer Guide is designed to help you understand the process clearly, avoid common mistakes, and feel more confident about getting on the property ladder.

Whether you’re planning to buy your first home this year or simply exploring your options, this guide will help you take the next step with confidence.

What’s Included in the Free First-Time Buyer Guide?

Inside the guide, you’ll learn:
✔ How first-time buyer mortgages work
✔ How much deposit you may need
✔ What mortgage lenders look for
✔ How affordability is assessed
✔ The hidden costs of buying a property
✔ Tips to improve your chances of mortgage approval
✔ Common first-time buyer mistakes to avoid
✔ How to prepare for buying your first home

This guide is written in simple, jargon-free language to help make buying your first property easier to understand.

Download Guide

Expert Mortgage Advice for First-Time Buyers

Hi, I’m Sue.

I help first-time buyers across the UK understand their mortgage options and navigate the home-buying process with confidence.

I know how confusing buying your first home can feel, especially with so much conflicting information online. That’s why I created this free first-time buyer guide:
to give you clear, practical mortgage advice without the jargon or pressure.

Whether you’re ready to buy now or planning ahead, I’m here to help make the process simpler and less stressful.

Who Is This Guide For?

This guide is ideal for:

First-time buyers in the UK
Buyers saving for a deposit
People unsure how mortgages work
Anyone wondering how much they can borrow
Buyers planning to purchase within the next 6–24 months
People looking for trusted mortgage advice for first-time buyers

Download Your Free First-Time Buyer Mortgage Guide Today

Get instant access to expert advice designed to help you understand the home buying process and take the next step towards owning your first home. No spam. Just straightforward mortgage advice and helpful first-time buyer guidance.