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First Time Buyer Mortgage

Ready to buy your first home? We provide expert guidance to secure the perfect mortgage deal.
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* Your home may be repossessed if you do not keep up repayments on your mortgage.
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Whole of Market Broker

We are proud to have access to over 100 different lenders across the UK, ensuring we match our clients to a lender best suited to their unique circumstances.

… plus many more

What is a First-Time Buyer Mortgage?

A First-Time Buyer mortgage is a loan specifically tailored for individuals who have never previously owned a residential property, either in the UK or abroad. This status often gives you access to exclusive deals and Government support schemes, such as Stamp Duty relief and products like the Lifetime ISA. While securing your first mortgage can feel daunting, as specialist brokers, we take you through the entire journey, helping you navigate affordability checks, small deposit options, and documentation to secure the best possible starting rate.
Book your free consultation now!
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What Our Clients Say

Most of our customers come from recommendations by our own existing customers, which is a testament to our level of service, communication and commitment to helping you obtain the right mortgage.

Karl has been amazing throughout the process of starting to look at properties, making offers and completing the applications for my mortgage, solicitors and insurances. Highly recommended – thank you Karl for all your help! :)

Carla Brimelow

My friends recommended Karl, and they were right to as I’m now recommending him to everyone else. Great guy and made things very straightforward for us in the process of buying our first house.

Edvard Calyj

I’ve been using KB Mortgage Solutions for a very long time. Always first class service – efficient and professional – highly recommend.

Hayley Henry

Can’t recommend Karl enough, he initially got me my first mortgage after years of travelling and the banks saying I’ve been off the radar. I’ve used Karl ever since, getting me the best deal at the time and sorting it out. Thanks

Chris Pendleton

Karl knows his stuff and really great at keeping you in the loop. He has made the process very easy and he is effecient.

Jessica

Helped me buy my first house. Very helpful and efficient service. Would recommend to anyone looking to get a mortgage.

Tom Sawyer

Essential Steps and Available Support

The key to a successful first application is preparation. Lenders will assess your affordability based on your income, outgoings, and a good credit history. We specialise in maximising your borrowing potential and finding deals that suit smaller deposits (as low as 5%). Furthermore, we will advise you on vital schemes like the Mortgage Guarantee Scheme, Shared Ownership, and First Homes, ensuring you leverage every benefit available to secure your first home sooner and more affordably.

Common Questions Around First Time Buyer Mortgage

What is the minimum deposit required for a first-time buyer mortgage?

The absolute minimum is typically 5% of the property value (a 95% LTV mortgage). However, saving a larger deposit (10% or more) can significantly improve your interest rate options.

How does a mortgage broker help me find the best rate?

We compare deals from a comprehensive panel of UK lenders, including those not available on the High Street. This ensures you access the most competitive rates available for your circumstances.

Can you guide me through my initial checks, such as an Agreement in Principle?

Yes, we start with an Agreement in Principle (AIP) to determine your maximum borrowing capacity and rate. This makes you a serious buyer to estate agents and involves no immediate commitment.

Why Pick Us For First Time Buyer Mortgage

At KB Mortgage Solutions, we understand that buying your first home is a huge step. We offer whole-of-market access to find the best rate and structure your application perfectly. Our advice is fully FCA-regulated and tailored to your circumstances—whether you need a 95% LTV deal, or support using a government-backed scheme. We provide clear, honest guidance and manage the complex process, helping you move from searching to securing your keys with confidence. For expert mortgage advice Newcastle and nearby areas, speak to our dedicated advisor today.

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Free Consultation

Need a mortgage for a 5% deposit property?
Are you confused by the jargon and the process?
Do you need help accessing government schemes (LISA, Help to Buy etc.)?
Are you struggling to get a fixed-rate deal in the current market?

For a completely free and confidential discussion, complete this form to send us your details. We’ll get back to you within a few hours to discussion your unique situation and how we might be able to help.

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