Specialist Advisor

We’re a specialist independent mortgage broker with access to all U.K. mortgage lenders, meaning that we search the whole of the market to find you the best mortgage product to suit your individual circumstances.  A Little Mortgage Advice Brokers really do go that extra mile for our customers.

Personalised Service

As a small, independent mortgage advice brokerage, you will have a dedicated mortgage advisor who will stay with you throughout the mortgage process.  We dedicate the same amount of time to each customer, never leaving you waiting, responding quickly and answering all of your questions so you feel comfortable and confident that you are in safe hands.

Five-Star Reviews

Every customer interaction, email, and phone call is important to us. We pride ourselves on offering a five-star service at all times, our reviews speak volumes and so do the awards that we have won for outstanding service.

No Obligation Quote

We offer a free no-obligation quote and helpful advice throughout the process. So, finding out if we’re the right fit for you won’t cost you a penny.  It’s as easy as picking up the phone and giving us a call, you have nothing to lose and a lot to gain because our mortgage adviser is qualified and experienced.

What Is a First-Time Buyer Mortgage

A first-time buyer mortgage is designed for individuals purchasing their first home. While the application process is similar to other mortgages, lenders may offer products tailored specifically to new buyers, including lower deposit options and incentives aimed at helping you onto the property ladder.

Understanding how these products work — and which lenders are most suitable for your circumstances — is an important first step before making an offer on a property.

How Much Deposit Do First-Time Buyers Need?

Most first-time buyer mortgages require a minimum deposit of 5% of the property value. However, a larger deposit can sometimes provide access to more competitive interest rates.

Deposits can come from:

• Personal savings
• Gifted deposits from family members
• Certain government schemes (where applicable)

We’ll help you understand what deposit level is realistic for your circumstances.

What Additional Costs Should You Budget For?

Buying your first home involves more than just the deposit. Other costs may include:

• Solicitor or conveyancing fees
• Stamp duty (if applicable)
• Mortgage valuation fees
• Survey costs

We’ll provide a clear breakdown of expected costs so you can plan with confidence before committing to a purchase.

Types of First-Time Buyer Mortgages

There are several types of mortgage products available to first-time buyers, each with different features.

Fixed-Rate Mortgages

A fixed-rate mortgage keeps your interest rate the same for a set period — commonly 2, 3, 5 or 10 years. This provides stability and makes budgeting easier, as your monthly payments will not change during the fixed term.

Variable-Rate Mortgages

Variable-rate mortgages can rise or fall depending on market conditions or the lender’s standard variable rate.

Common types include:

• Tracker Mortgages – These follow the Bank of England base rate plus a set percentage.
• Discount Mortgages – These offer a temporary discount off the lender’s standard variable rate.
• Capped Rate Mortgages – These have a variable rate but include a maximum limit on how high the interest rate can rise.

Choosing the right product depends on your risk tolerance, deposit size and future plans.