Mortgages · First-Time Buyer

First-Time BuyerDeposits from 5%, agreements in principle in days, and a guide who answers every question.

How we help

The first-time buyer story.

Buying your first home should feel exciting, not overwhelming. We explain every step in plain English — from how much you can borrow and what deposit you really need, to agreements in principle, offers and completion day.

Deposits from as little as 5% across whole-of-market lenders

Agreement in principle arranged quickly, so you can offer with confidence

Help with schemes, gifted deposits and guarantor options

One named advisor from your first call to collecting the keys

First call to keys

Three steps.

A first chat — no obligation

Tell us your plans in plain English. We'll tell you honestly what's possible — no jargon, no pressure.

Research & recommendation

We search 90+ UK lenders, agree our fee in writing up front, and present the options that genuinely fit.

Application to keys

We handle the paperwork, chase the lender, and keep you updated by phone, email or WhatsApp — your choice.

Talk it through

Talk it through with a human.

A no-pressure chat about your first-time buyer plans. One honest fee, agreed up front.

Get in touch

Trishnah Murphy

56 days ago

Ben is an exceptional mortgage advisor. Having worked with him more than once, he’s ability to deal with atypical finances makes him our go-to person for new, porting or renewing mortgages.

Sean Park

57 days ago

Really happy with the service I received from Ben. From the start, he was quick to respond, easy to deal with and always took the time to explain everything clearly. He made what can be quite a complicated process feel much more straightforward and stress-free. Ben went through the different options with me, answered all of my questions and really helped me to understand what would be the best choice for my situation. He also managed to secure me a good rate, which I was very pleased with given the current atmosphere. Overall, I felt well looked after throughout the whole process and would definitely recommend them to anyone looking for a mortgage broker.

Tom S

62 days ago

Ben was incredible from start to finish! Home buying is hard, and I myself had two failed purchases before succeeding - yet Ben was just such a positive, knowledgeable and calming presence throughout it all. He not only helped me get a good deal, he showed me I could get a bigger (but still affordable) mortgage than I’d even realised I could. It was an absolute pleasure working with Ben on it, and he will be my go-to whenever I move again. I couldn’t recommend him more.

Michael Donohoe

69 days ago

Can’t recommend Ben enough! Being a first-time buyer, I was totally clueless going in, but he walked me through everything and made the whole thing so much less stressful than I expected. He was always quick to reply, explained stuff in a way that actually made sense, and just felt like he genuinely had my back rather than just trying to tick a box. He honestly made buying my first place way easier than I thought it’d be. If you need a mortgage broker, this is your guy!

Tom Hughes

116 days ago

As a first-time buyer, Ben was brilliant at guiding my partner and me through the whole process. He was always accessible, knowledgeable and professional - plus he got us a great deal on our mortgage! I would highly recommend using Ben.

Frank Deakin

126 days ago

Working with Ben has been an exceptional experience from start to finish. Securing a mortgage can feel overwhelming, but Ben made the entire process straightforward, stress-free, and easy to understand. From day one, Ben was professional, approachable, and incredibly knowledgeable. He took the time to explain every step, answered every question with patience, and always made sure I felt confident in the decisions we were making. His communication was outstanding throughout the process, I was kept updated at every stage and never had to chase for information. What really sets Ben apart is the level of care and dedication he brings to his clients. It genuinely felt like he had my best interests at heart, working tirelessly to secure the right mortgage for my circumstances. His expertise, attention to detail, and willingness to go the extra mile made all the difference. I honestly couldn't have asked for a better mortgage broker and wouldn't hesitate to recommend Ben to anyone looking for expert advice and exceptional service. Thank you for making what could have been a stressful experience such a smooth and positive one!

James Birch

152 days ago

Best mortgage advisor about. Highly recommend.

Milan Sudor

155 days ago

I had a great experience working with my mortgage broker Ben. He was extremely responsive throughout the entire process, worked to very tight deadlines, and was always quick to provide updates and answers. He even made himself available on a Saturday when I needed to speak with him, which was greatly appreciated. Whenever I had questions for the lender, he addressed them promptly and came back with clear feedback the same day. His knowledge of the mortgage market and the process was evident throughout. I would highly recommend his services to anyone looking for a reliable, responsive, and knowledgeable mortgage broker who truly knows the industry and how to get things done. Big thank you!!

Samuel Ford

161 days ago

Exceptional service from start to finish - highly recommend!

David Glass

182 days ago

Highly recommended. Best mortgage broker in Berkshire. Ben turned around the mortgage incredibly quickly and was always in great communication. Can’t recommend high enough!