Getting on the ladder is simpler than you think
We help first-time buyers across the UK find the right mortgage from 100+ lenders, even if your situation isn't straightforward. No jargon, no hidden fees, just clear advice from Debbie.
Your step-by-step guide to buying your first home
Check your credit file
Before anything else, check what lenders can see. Use Check My File to get the full picture. It shows all three main credit agencies (Experian, Equifax and TransUnion) in one report, free for the first 7 days. Cancel within the 7 days to avoid the £14.99 a month subscription fee.
Work out your budget
How much can you borrow? Use our affordability calculator for a quick estimate, then speak to Debbie for an accurate figure.
Get your Agreement in Principle
An AIP confirms a lender is happy to lend to you in principle. Estate agents want to see this before accepting an offer.
Find your home & apply
Once you're under offer, we submit the full mortgage application and manage the process through to completion.
Documents Debbie will ask for
Getting your documents together early makes the process much faster. Here's what most lenders will need to see:
Government schemes worth knowing about
Making the most of what's available to you
There are a number of schemes designed to help first-time buyers get on the ladder with a smaller deposit or at a lower cost. Not all of them are right for everyone, Debbie will talk you through which ones apply to your situation.
The Lifetime ISA is particularly worth knowing about if you're still saving. You can put in up to £4,000 a year and the government adds a 25% bonus that's up to £1,000 free money each year towards your deposit.
Find out what you qualify for →First-time buyer FAQs
How much deposit do I need?
Most mainstream lenders require a minimum of 5% of the purchase price, though some specialist lenders offer 100% mortgages or products with smaller minimums. A bigger deposit usually means better rates. On a £250,000 home, a 5% deposit is £12,500. Lenders offering 100% mortgages or lower minimums typically charge higher interest rates and have stricter affordability and credit requirements. Debbie will help you understand what's actually available for your situation.
Can I get a mortgage with bad credit?
It depends on the type and severity of the issue. Some specialist lenders work with people who have adverse credit. Debbie will be straight with you about what's possible.
How long does it take to buy?
From offer accepted to completion is usually 8 to 12 weeks. Getting your mortgage and documents sorted in advance can speed things up significantly.
What other costs are there besides the deposit?
You'll need to budget for stamp duty (if applicable), solicitor fees, survey costs, and any broker fee. Debbie will give you a full cost breakdown upfront.
What is an Agreement in Principle?
An AIP is a certificate from a lender confirming they'd be willing to lend you a certain amount, subject to full checks. Estate agents take buyers more seriously when they have one.
Do I need a solicitor?
Yes. Conveyancing (the legal transfer of the property) must be done by a licensed solicitor or conveyancer. We can recommend one, or you can choose your own.
What about 100% mortgages?
A small number of lenders do offer 100% mortgages (no deposit needed). These are available, but they come with higher interest rates than mortgages with a deposit, and lenders are typically stricter on credit requirements and affordability. We can discuss whether this option is right for your situation.
Compare conveyancing quotes from 70+ firms
Digital Move lets you compare fixed-fee conveyancing quotes, prices and customer ratings side by side, from over 70 quality UK solicitors and conveyancers in a couple of minutes. A slow solicitor is the most common reason a purchase drags; choose one with a track record.
Compare conveyancing quotes →This is an affiliate link, DS Financial may receive a small commission if you use this service, at no extra cost to you.
What our clients say
Real, verified reviews from Google and Facebook, from people Debbie has helped across the UK.
Ready to take the first step?
A free call with Debbie will give you a clear picture of what you can borrow and what happens next.
Booked your call? Save time by registering on our secure client portal and completing the mini fact find first, so Debbie has your background before you speak.