First-Time Buyer Advisory Desk •
First-Time Buyer Mortgages UK: Complete 2026 Borrowing Guide
Welcome to our specialist guide on first time buyer mortgages uk in the UK. Navigating your first home purchase can often feel overwhelming. Fortunately, Simon Carr and our specialist mortgage desk explain borrowing limits, deposit requirements, government schemes, and step-by-step conveyancing across 90+ UK lenders. Consequently, you can secure competitive mortgage terms with complete clarity.
Explore Product Pillars:
5% Min
Deposit Threshold (95% LTV)
4.5x – 5.5x
Income Borrowing Multiplier
£425,000
0% Stamp Duty Relief Cap
90+ Lenders
Whole-of-Market Access
Explore the 5 Knowledge Pillars
Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:
Pillar 1
The Basics
Understand fundamental criteria, 5% deposit options, borrowing multipliers, government schemes, and adverse credit options.
Pillar 2
Speed & Process
Step-by-step roadmap from Agreement in Principle (AIP) to mortgage underwriting, RICS surveys, contract exchange, and completion day.
Pillar 3
Rates & Costs
Compare fixed vs tracker mortgage rates, Stamp Duty thresholds, conveyancing fees, broker charges, and rate stress testing.
Pillar 4
Strategy
Strategic affordability optimisation, Joint Borrower Sole Proprietor (JBSP) mortgages, Shared Ownership, and offer negotiation.
Pillar 5
Hacks
Insider tactics to maximise Lifetime ISA bonuses, scrub bank statements, prove gifted deposits, and protect against gazumping.
First-Time Buyer Advisory Desk
Need Specialist First-Time Buyer Advice?
Simon Carr, Specialist Finance Expert, and our senior lending team compare whole-of-market first-time buyer mortgages across 90+ UK lenders. Calculate your borrowing power and secure your Agreement in Principle today.
Promise Money is authorised and regulated by the Financial Conduct Authority (FCA). Borrowing against property carries risk.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.