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Expert first-time buyer mortgage hunters for over 25 years

You’re new to mortgages, but we’re not. And, did you know that, with our vast network of estate agencies and lenders, we can even help you find a property as well as a great mortgage deal.

Access 1000s of mortgage products from our large panel of trusted lenders.

We’ll help you work out the right mortgage for your first home.

First-time buyer mortgages

Mortgages for first-time buyers

Taking your first step onto the property ladder isn’t always plain sailing but we know the right lenders to approach. Small deposit? Limited credit history? Not a problem. We’ll find the right deal to get you off to the best start, whatever your situation.

Find your first home

Save time and money on your search

Tired of scrolling property websites? We hear you. We can work with estate agents to help you find the right nest. When you're ready, we'll be there to help you find the best mortgage deal, too.

Shared ownership

A helping hand on the ladder

Shared Ownership helps you move towards homeownership. You’ll own between 25-75% of the property and pay rent on the rest. Good news – you’ll need a lower deposit, typically 5% of your home's value. There are criteria to qualify for Shared Ownership, and we will talk you through all of that. 

Three steps to a great deal

We give a hoot. We’re making the complex world of mortgages a happier place for first-time buyers. 

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Tell a friend about Mortgage Matters, and you’ll both get £50 if they use us.*

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Frequently Asked Questions

This type of mortgage offers substantial flexibility, allowing you to lower your interest payments or reduce your mortgage term.

Understanding the language of mortgages is crucial to securing the right deal for your home. 

The tools you need to make that next step.

If you're a first-time buyer looking to borrow, our free calculators give you instant figures that help you plan ahead. Take the guesswork out of your home purchase!

You’re in safe hands.

Don't wing it when it comes to protecting your nest. Our 5-star Defaqto insurance products are trusted by thousands and give you complete peace of mind.