It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
We know your first mortgage can be confusing. Here’s some of what we can help with:
Please complete the form accurately so that we can get a better picture of your financial situation.
Buying your first home in Glasgow can feel like a big step, especially when you’re unsure where to begin.
From working out how much you can borrow to finding the right mortgage deal, there’s a lot to take in.
That’s where we come in. As a mortgage broker in Glasgow, our job is to make the process feel more straightforward, offering the right advice from the moment you get started.
Our mortgage advisors speak with first time buyers every day.
We’re here to guide you through each stage, explaining what’s involved and what to expect next.
Whether you’ve just started looking or you’ve already got a property in mind, we can help you understand how it all works and support you through every decision along the way.
Our Customers Rate us 4.9/5
The amount you can borrow as a first time buyer in Glasgow depends on your income, outgoings and credit history.
Most lenders offer up to 4.5 times your annual income, but this can vary depending on your overall financial picture.
While a 5% deposit may be enough to get started, putting down 10% could help you access better interest rates and lower monthly repayments.
A larger deposit also gives you more flexibility when it comes to choosing the right deal.
Our mortgage advisors in Glasgow will help you understand what’s possible based on your circumstances.
Whether you’re just exploring your options or ready to get things moving, we’re here to offer support that suits you.
Appointments 7 Days a Week
Booking a free mortgage appointment is the ideal way to begin your journey if you’re buying your first home in Glasgow.
In your appointment, we’ll look at how much you could borrow, what your monthly repayments might look like and what types of mortgage could be a good fit.
It’s also a chance to ask any questions about the process. Whether you’re unsure about paperwork, deposits or how long everything takes, we’ll guide you through it all clearly.
Our mortgage advisors in Glasgow provide advice that’s specific to your situation, helping you move forward with confidence.
Explore 1000s of Mortgage Options
Our Customers Love Us
3,500+ 5 Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
As a first time buyer in Glasgow, you’ll typically need a minimum deposit of 5%.
This might come from personal savings, a gifted deposit from a family member or a combination of the two.
The actual amount required can vary depending on the lender and your credit profile.
For more competitive rates, a 10% deposit is usually recommended.
It not only gives you access to a wider choice of mortgages, but it can also reduce your monthly repayments.
If you have a history of credit issues, you may need to provide a higher deposit. In some cases, this could be closer to 10% or 15%.
A mortgage advisor in Glasgow will look at your full financial picture and explain what’s likely to be needed for your specific case.
There’s more to think about than just the mortgage itself when you’re buying a home in Glasgow. Some of the most common additional costs include:
Always speak to a qualified tax advisor to learn more about Stamp Duty.
Going directly to a bank means you’re limited to their own range of products.
A mortgage broker in Glasgow can search through a wider selection of lenders, which can make a big difference when you’re trying to find the right deal.
Using a mortgage broker also means you won’t need to handle everything yourself.
We deal with the paperwork, speak to lenders on your behalf and help avoid unnecessary delays.
For first time buyers, having someone explain the process and keep things on track can save a lot of stress.
It’s about making things easier while giving you more choice along the way.
An agreement in principle (AIP) is something we always recommend sorting early on.
It shows how much a lender might be willing to let you borrow and can help when making offers on properties in Glasgow.
Having this document ready puts you in a stronger position with sellers and gives you a clear idea of your budget.
It doesn’t take long to arrange and gives you a useful head start.
Our mortgage advisors in Glasgow can sort your AIP within 24 hours of your free appointment, helping you move forward with confidence.
Getting first time buyer mortgage advice in Glasgow has never been easier.
Don't hesitate to speak with our experienced team for any questions or concerns you might have about first time buyer mortgages.
Every customer can benefit from a free mortgage appointment.
Simply book online and select a date and time that best suits you and your weekly schedule.
Our dedication to exceptional customer service means that we aim to keep you fully informed throughout the entire process.
We're available 7 days a week to address any questions or concerns you might have.
Being open and honest is at the heart of our service, we will never recommend a product that does not match your situation.
We only want the best for you!
Your mortgage advisor in Glasgow will also suggest insurances to make sure that you're able to stay in your home if you become ill or unable to work.
We want to make sure that you and your family are protected.
We're committed to finding you the most appropriate mortgage for your needs.
We will search through 1000s of first time buyer mortgages in Glasgow to find you the perfect deal.
We know exactly what we are looking for when it comes to finding you the perfect mortgage.
Using our knowledge and experience, we will look at your situation and match you with a mortgage product.
We will guide you through the whole journey of securing your first time buyer mortgage in Glasgow.
Don't hesitate to reach out to our mortgage advisors in Glasgow today.
Before making an offer on a property in Glasgow, you’ll need to have your agreement in principle in place.
This proves to the seller that you’re financially prepared and ready to proceed.
Once your offer is made, the seller may accept it, decline it or suggest a different price.
If your offer is accepted, the next stage involves concluding the missives. This is the point at which your purchase becomes legally binding.
At this stage, a home survey can be arranged to check the property’s condition.
Once everything is in order, your mortgage advisor in Glasgow can finalise the application and keep everything moving smoothly.
As a first time buyer in Glasgow, you’ll find a range of mortgage types available depending on your needs. These include:
Some buyers may also explore part ownership options. These allow you to buy a share of a property and pay rent on the rest, with the option to increase your ownership over time.
The right mortgage depends on your income, deposit, and what sort of repayments you’re comfortable with.
Our mortgage advisors in Glasgow will help you understand the pros and cons of each option and guide you toward a deal that fits.
Your first step towards a mortgage in Glasgow is understanding what you can afford.
This means reviewing your income and outgoings, checking your credit score and confirming how much you have for a deposit.
Once you’ve done that, securing an agreement in principle is a smart next move.
It gives you a clearer idea of your borrowing potential and puts you in a better position when viewing properties or making an offer.
Working with a mortgage broker in Glasgow means you don’t have to figure it all out alone.
We’ll help you understand your options, handle the application and keep things moving in the right direction.
Yes, being turned down by a bank doesn’t mean you can’t get a mortgage. Every lender uses different criteria, so while one may say no, another could say yes.
We help many first time buyers in Glasgow who have been declined by their bank.
Our mortgage advisors will look at your situation, understand what went wrong and find a more suitable lender who can take a different view.
We’ll never submit an application unless it’s a good fit, and we’re here to help you keep moving forward.
Read our Reviews
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
We value your privacy
This website uses cookies. If you continue to use the site, we will assume that you agree with our use of cookies.
