First Time Buyer Mortgages

Buying Your First Home? We’ll Guide You Every Step of the Way.

Hassle Free
Mortgage Advice

Request A Free Video Call

Buying your first property is exciting, but it can also feel overwhelming. From working out how much you can borrow to understanding deposits, mortgage rates and the buying process, there’s a lot to take in.

At Mortgage Links, we make buying your first home as straightforward as possible. We’ll explain everything in plain English, compare mortgages from across the market, and support you from your first enquiry right through to getting your keys.

Book your free consultation today and let’s get you moving.

We have access to 90+ Lenders

What We do

Why Choose Mortgage Links?

Buying your first home isn’t just about finding a mortgage—it’s about having someone in your corner.

We will help you:

Understand exactly how much you can borrow.
Explain every cost involved before you commit.
Compare mortgages from a wide range of UK lenders.
Help improve your chances of being accepted.
Liaise with lenders, estate agents and solicitors.
Keep you updated throughout the entire process.
Arrange any protection you may need once you’re a homeowner.

Whether you’re buying on your own, as a couple or with family support, we’re here to make the process simple.

Established

2022

What Can We Help With?

Here to help you through every stage of your mortgage journey

First Time Buyer Mortgages

We'll find a mortgage that's right for your circumstances, not just the lowest interest rate.

Agreement in Principle

Often needed before viewing or making an offer, we'll arrange your Agreement in Principle quickly.

Low Deposit Mortgages

Have a 5% or 10% deposit or less? We'll explain which lenders are available and what options may suit you.

Help Understanding Affordability

We'll explain how lenders assess your income, spending and credit history so you know where you stand.

Protection Advice

We'll discuss options such as life insurance, income protection and critical illness cover to help protect you and your family.

How it Works

Let us help you get your home today.

Step 1

Book Your Consultation

We'll discuss your income, deposit, credit history and future plans.

Step 2

Calculate Your Budget

We'll tell you how much you may be able to borrow and explain your monthly repayments.

Step 3

Obtain an Agreement in Principle

This gives you confidence when viewing properties and making offers.

Step 4

Find Your Home

Once you've found the right property, we'll submit your full mortgage application.

Step 5

Mortgage Offer

We'll keep you informed throughout the lender's assessment and answer any questions along the way.

Step 6

Exchange & Completion

Once everything is complete, you'll collect the keys to your new home.

How can we offer all of this for free?

Like all mortgage brokers, we’re paid by lenders when your mortgage completes. The difference between us and other mortgage brokers is that we simply choose not to charge our customers a fee on top of this.

      EXCELLENT  
   Based on 210 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Mojola Coker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lauren helped me & my partner as a mortgage advisor for the purchase of our first home and she was honestly brilliant! She answered all our questions & guided us through the process seamlessly. She is extremely personable and is very knowledgeable. Would recommend her in a heart beat!
  
 
      Posted on Google  
   
   Julia Nicoll 
 
 
 
 Trustindex verifies that the original source of the review is Google. So glad I have found a broker I can trust, highly recommend
  
 
      Posted on Google  
   
   Emily Tattersall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lauren from mortgage links has been our mortgage adviser for our current house purchase and is absolutely amazing. She talked us through all our options, found the best deal and when a better rate became available secured us that too! Nothing is too much and she works at the speed of light! Fantastic service and would recommend to anyone 😊
  
 
      Posted on Google  
   
   Rachel 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lauren at Mortgage Links exceeded every expectation we had. As first-time buyers, my partner and I were naturally nervous about the whole mortgage process. After spending days researching and comparing different mortgage advisers, I’m so glad we found Lauren. While the fact that the service is completely free is a huge bonus, it’s Lauren’s expertise and support that really stand out. She guided us through every step of the process, took the time to listen to our circumstances, was proactive throughout, and always had a kind, reassuring approach. She found the lender that was the best fit for us, and thanks to her advice, our mortgage application was accepted straight away, making the whole process incredibly smooth. No question ever felt too silly to ask, and Lauren was always available to talk things through whenever we needed reassurance or advice. She also never put any pressure on us to make decisions, allowing us to move at our own pace with complete confidence. I would highly recommend Lauren to anyone looking for mortgage or insurance advice. Her professionalism, knowledge, and genuine care made what could have been a stressful experience feel straightforward and enjoyable. Thank you, Lauren! 5 ⭐
  
 
      Posted on Google  
   
   khafilat olaide 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would refer Lauren to everyone that would like to go into mortgage, she’s really experienced and it reflects, Lauren was always ready to listen and replies promptly to all queries , she also got the best rate for me. I truly appreciate your service 🥰
  
 
      Posted on Google  
   
   Abbie Ridgway 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend James at Mortgage Links enough. He was incredibly knowledgeable and answered all of my questions clearly, making the whole mortgage process much easier to understand, especially as a first-time buyer. I also really appreciated how flexible he was with arranging video calls at times that worked around my schedule, which made the whole process even more convenient. He worked hard to find the best mortgage deal for my circumstances and took the time to explain all of the options, so I felt confident that I was making the right decision. James was always friendly, approachable, and his communication was excellent from start to finish. I’d highly recommend James to anyone looking for a mortgage advisor who provides a truly 5-star service. Thanks again for all of your help!
  
 
      Posted on Google  
   
   William Hopkin 
 
 
 
 Trustindex verifies that the original source of the review is Google. This was our second mortgage consultation from James and have used their services twice prior too. We’ve always been really pleased with the support offered - free to us, and really helpful and candid advice. Always recommend to others but thought it time to add a written review.
  
 
      Posted on Google  
   
   F Cly 
 
 
 
 Trustindex verifies that the original source of the review is Google. We used Lauren at Mortgage links for our recent remortgage which was more complicated due to a freehold purchase. Lauren efficiently found us an excellent remortgage rate and went above and beyond to help us with the freehold situation. I can’t recommend them enough.
  
 
      Posted on Google  
   
   Jilly Kirk 
 
 
 
 Trustindex verifies that the original source of the review is Google. We used Lauren Conroy from mortgage links as our mortgage advisor on our first house purchase and she was brilliant, would highly recommend. Very knowledgeable and answered all our questions and was very responsive. She took the time to really explain everything and helped us choose the best mortgage for us. We feel very confident in her advice and her professionalism and sense of humour made us feel at ease. Lauren really made our first house purchase much easier and made the whole process a lot less daunting .. thank you!
  
 
      Posted on Google  
   
   Lamiae Isaac 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best service you could ever ask for! We had the privilege of working with Lauren, and the experience was incredible from start to finish. Extremely professional, knowledgeable, responsive, and genuinely dedicated to helping us through every step of the mortgage process. Lauren made everything feel smooth and stress-free, always taking the time to explain things clearly and ensure we were comfortable with every decision. We truly felt supported and valued throughout the entire journey. We couldn’t recommend highly enough, outstanding service all around! :)

Ready to Buy Your First Home?

Whether you’re just starting to save or you’ve already found your dream property, we’d love to help.

Book your free, no-obligation consultation today and find out how much you could borrow.

First Time Buyer Mortgage FAQs

Common Questions From First Time Buyers

How much deposit do I need as a first time buyer?

Some mortgage lenders may accept a deposit of 2-5% of the property’s purchase price, although putting down 10% or more will usually give you access to a wider choice of mortgage products and potentially lower interest rates. The deposit required will depend on the property, your income, your credit history and the lender’s individual criteria.

Can I get a first time buyer mortgage with a 5% deposit?

Yes, 95% loan-to-value mortgages are available from a number of lenders, subject to affordability checks and lending criteria. A 5% deposit can help you buy sooner, but the interest rates may be higher than those available with a larger deposit. We can compare the available options and explain the difference in monthly and overall costs.

Do I need an Agreement in Principle before viewing houses?

You do not always need an Agreement in Principle before arranging a viewing, but some estate agents may ask for one before accepting an offer or confirming that you are in a position to proceed. Obtaining one early can also help you avoid looking at properties outside your realistic budget.

Can I get a mortgage with bad credit as a first-time buyer?

Having previous credit problems does not automatically prevent you from getting a mortgage. Your options will depend on the type of credit issue, the amount involved, when it occurred and whether it has now been resolved. Some lenders are more flexible than others, so it is important to approach the right lender rather than making multiple applications.

Can I use a Lifetime ISA towards my first home?

You may be able to use savings held within a Lifetime ISA towards an eligible first-home purchase, provided the relevant rules and withdrawal conditions are met. You should check the current Lifetime ISA requirements and give your solicitor enough time to request the funds before completion.

Can I get a mortgage during a probationary period?

Potentially, yes. Some lenders will consider applicants who have recently started a job or are still within their probationary period. The lender may ask for an employment contract, payslips or confirmation of your start date and salary. Your previous employment history and the nature of your new role may also be considered.

Can I buy a house with someone who is not my partner?

Yes. You can apply for a mortgage with a friend, sibling or family member. You should take legal advice about how the property will be owned, how the deposit is recorded and what would happen if one person wanted to sell or move out in the future.

How long does a first time buyer mortgage application take?

A straightforward mortgage application may receive an offer within a few weeks, but timescales vary between lenders and individual cases. The full home-buying process usually takes longer because it also includes the survey, legal work, property searches, enquiries and communication between everyone in the chain.

Should I choose a fixed-rate or variable-rate mortgage?

A fixed-rate mortgage provides certainty because the interest rate and monthly payment are normally fixed for an agreed period. A variable or tracker mortgage may rise or fall depending on the product terms and changes in interest rates. The most suitable option will depend on your budget, plans and attitude towards changes in monthly payments.

Can I make overpayments on my first mortgage?

Many mortgages allow you to make overpayments, although limits and early repayment charges may apply. Overpaying can reduce the mortgage balance, shorten the term and lower the amount of interest paid. You should always check the conditions of your mortgage before making a large overpayment.

What is an Agreement in Principle?

An Agreement in Principle, sometimes called a Decision in Principle or Mortgage in Principle, is an indication of how much a lender may be prepared to lend based on the information provided. It is not a formal mortgage offer, but it can help you understand your budget and demonstrate to estate agents that you are able to proceed with a purchase.

How much can I borrow for my first mortgage?

The amount you can borrow will depend on your income, regular financial commitments, credit history, deposit and the mortgage term. Lenders assess affordability differently, so the amount offered by one lender may be very different from another. We can calculate a personalised borrowing estimate and identify lenders that may be suitable for your circumstances.

Does an Agreement in Principle affect my credit score?

This depends on the lender. Some lenders use a soft credit search, which is not normally visible to other lenders, while others may carry out a hard credit search. We will explain what type of credit search is likely to be completed before proceeding with an application.

Can my family help with my first time buyer deposit?

Yes. Many lenders accept deposits gifted by parents or other close family members. The person providing the deposit will normally need to confirm that the money is a genuine gift, that it does not need to be repaid and that they will not own an interest in the property. Evidence showing the source of the funds may also be required.

Can I get a mortgage if I am self-employed?

Yes. First-time buyers who are self-employed can obtain a mortgage, although lenders may assess income in different ways. Depending on how your business is structured, a lender may consider your salary, dividends, share of net profit, latest accounts or tax calculations. The length of time you have been trading can also affect your options.

Can overtime, bonuses and commission count towards my mortgage?

Many lenders will consider overtime, bonuses and commission, although they may not use all of the income. They will usually want to see evidence that the additional income is regular and sustainable. This may include several months of payslips, a P60 or confirmation from your employer.

What costs do first time buyers need to budget for?

In addition to your deposit, you may need to budget for: Solicitor and conveyancing fees, Survey or valuation costs, Mortgage product fees, Removal costs, Buildings insurance, Initial repairs and furniture and stamp duty.

Do first-time buyers pay Stamp Duty?

First-time buyers may qualify for Stamp Duty Land Tax relief when purchasing an eligible property in England or Northern Ireland. The rules, property-price limits and tax rates can change, so you should check the position that applies at the time of your purchase. Different property taxes apply in Scotland and Wales.

What documents will I need for a first time buyer mortgage?

The documents required will depend on your circumstances, but commonly include: Proof of identity, Proof of address, Recent bank statements, Payslips or evidence of self-employed income, Evidence of your deposit, Details of loans, credit cards and other commitments, Proof of any gifted deposit and Details of the property you are buying.

Do I need life insurance when buying my first home?

Life insurance is not usually a legal requirement for obtaining a mortgage, although a lender will normally require suitable buildings insurance. It is worth considering how the mortgage would be paid if you died, became seriously ill or were unable to work. We can discuss life insurance, critical illness cover and income protection alongside your mortgage.

First Time Buyer Mortgages

Hassle Free
Mortgage Advice

Request A Free Video Call

We have access to 90+ Lenders

What We do

Why Choose Mortgage Links?

What Can We Help With?

How it Works

Let us help you get your home today.

How can we offer all of this for free?

Ready to Buy Your First Home?

First Time Buyer Mortgage FAQs

How much deposit do I need as a first time buyer?

Can I get a first time buyer mortgage with a 5% deposit?

Do I need an Agreement in Principle before viewing houses?

Can I get a mortgage with bad credit as a first-time buyer?

Can I use a Lifetime ISA towards my first home?

Can I get a mortgage during a probationary period?

Can I buy a house with someone who is not my partner?

How long does a first time buyer mortgage application take?

Should I choose a fixed-rate or variable-rate mortgage?

Can I make overpayments on my first mortgage?

What is an Agreement in Principle?

How much can I borrow for my first mortgage?

Does an Agreement in Principle affect my credit score?

Can my family help with my first time buyer deposit?

Can I get a mortgage if I am self-employed?

Can overtime, bonuses and commission count towards my mortgage?

What costs do first time buyers need to budget for?

Do first-time buyers pay Stamp Duty?

What documents will I need for a first time buyer mortgage?

Do I need life insurance when buying my first home?

Services

Legal

Company

First Time Buyer Mortgages

Hassle FreeMortgage Advice

Request A Free Video Call

We have access to 90+ Lenders

What We do

Why Choose Mortgage Links?

What Can We Help With?

How it Works

Let us help you get your home today.

How can we offer all of this for free?

Ready to Buy Your First Home?

First Time Buyer Mortgage FAQs

How much deposit do I need as a first time buyer?

Can I get a first time buyer mortgage with a 5% deposit?

Do I need an Agreement in Principle before viewing houses?

Can I get a mortgage with bad credit as a first-time buyer?

Can I use a Lifetime ISA towards my first home?

Can I get a mortgage during a probationary period?

Can I buy a house with someone who is not my partner?

How long does a first time buyer mortgage application take?

Should I choose a fixed-rate or variable-rate mortgage?

Can I make overpayments on my first mortgage?

What is an Agreement in Principle?

How much can I borrow for my first mortgage?

Does an Agreement in Principle affect my credit score?

Can my family help with my first time buyer deposit?

Can I get a mortgage if I am self-employed?

Can overtime, bonuses and commission count towards my mortgage?

What costs do first time buyers need to budget for?

Do first-time buyers pay Stamp Duty?

What documents will I need for a first time buyer mortgage?

Do I need life insurance when buying my first home?

Hassle Free
Mortgage Advice