First Time Buyer Mortgage Advice

Open from 8am to 10pm

Our journey starts here

Being a First Time Buyer and starting on to the property ladder can be an exciting time but can also seem a little daunting. The team of Mortgage Experts on hand at UK Moneyman hold both knowledge and experience, partnered with the latest technology to make the whole process as stress free as possible for a First Time Buyer and offer the best Mortgage Advice available. When you use UK Moneyman, your delegated Mortgage Advisor will be on hand every step of the way, offering clear and simple Mortgage Advice, from your initial call to getting the keys to your dream first home and beyond. You'll be in safe hands with us!

A minimum deposit of 5% of the purchase price is usually required. This can be in the form of a gift from family (bank of mum and dad) and/or your own savings.
The more deposit you have available, the lower the loan to value will be on your purchase, giving you access to more competitive mortgage deals.

Meet Matt, one of my first time buyer mortgage experts

"I've helped many first-time buyers achieve their goals in home ownership and my job doesn’t just stop at securing you a mortgage offer.

I'm here to answer all of your questions by phone or email, no matter how small. Also, support you through every step of the process, from putting offers forward to estate agents, obtaining quotes from conveyancing solicitors to advising on what property survey to choose and much more.

Having previously worked at a high street bank, I found turning long standing customers away for reasons such as being self-employed, having poor credit, paying child care costs etc very hard and often undeserved.

Now, here at UK Moneyman, I've got access to a very large number of mortgage lenders with some being very specialist. I'm now able to be a 'human' and use my own knowledge and experience to help more customers on to the property ladder.

This is the most rewarding part of the job!"

Your dedicated mortgage advisor will discuss the different mortgage types available to you and find the best option suited to your individual circumstances.

Fixed Rate Mortgage

Fixed rate mortgages offer you financial stability. Your interest rate will be fixed for a set period of time, meaning your monthly mortgage repayments will remain the same.

Variable rate mortgage

A variable rate mortgage is opposite a fixed rate. Your interest rate will go up or down in relation to the Bank of England base rate or your lenders standard variable rate (SVR).

Tracker mortgage

A tracker mortgage is a type of variable rate mortgage where your interest rate tracks the Bank of England base rate at a set margin, for example 1.5% above or below it.

Offset mortgage

With an offset mortgage you have a bank account which is linked to the mortgage. The bank account doesn’t attract any interest but whatever you deposit “offsets” against your mortgage balance. So, if you have a £100,000 mortgage and £15,000 in your savings pot you only pay interest on £85,000.

Unlike most mortgage brokers, we are not partnered with any estate agents, bank or builder and have your sole interests at heart. Our mortgage advisers are available 7 days a week 8am – 10pm to help and guide you throughout the whole process.

Why use UK Moneyman?

We work for you

Unlike most mortgage brokers, we are not partnered with any estate agents, bank or builder and have your sole interests at heart. Our mortgage advisers are available 7 days a week 8am – 10pm to help and guide you throughout the whole process.

Don't take our word for it

Here's what our customers have to say

Malcolm's First time buyer guides

Let’s get mortgaging!

Call free 8am to 10pm