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Testimonials

What First Time Buyers Say About Our First Time Buyer Mortgage Deals

Join thousands of happy first time buyers who found their perfect mortgage deal

★★★★★
"Absolutely fantastic service! They found us a brilliant first time buyer mortgage rate and made the whole process so easy. Highly recommend for any first time buyer looking for the best deals."

Sarah & James T.

First time buyers, London

★★★★★
"I was so nervous about getting a mortgage as a first time buyer but the team walked me through everything. Got a great deal on my first time buyer mortgage rates!"

Michael R.

First time buyer, Manchester

★★★★★
"Professional, friendly, and really knowledgeable. They secured us the best first time buyer mortgage deal when our bank said no. Best mortgage deals for first time buyers!"

Emma & David L.

First time buyers, Birmingham

Why Choose Us

Why Choose FTBMD for Your First Time Buyer Mortgage Deals?

Expert guidance to make your journey to homeownership simpler, faster, and more affordable.

Best First Time Buyer Rates

Access exclusive first time buyer mortgage deals not available on the high street. Compare rates from 50+ lenders.

Expert Mortgage Guidance

Your dedicated mortgage advisor guides you through every step of finding the best first time buyer mortgage deals.

FCA Regulated Partners

All advice comes from fully authorised FCA regulated advisors for your peace of mind.

Quick Decisions

Get a mortgage decision in principle within 24 hours. Fast-track your home buying journey.

Low Deposit Options

Access mortgage deals from just 5% deposit. Perfect for first time buyers with smaller savings.

Free, No-Obligation Advice

Get free expert mortgage advice with no obligation. No broker fees on our first time buyer mortgage deals.

FAQ

Common Questions About First Time Buyer Mortgage Deals

Everything you need to know about finding the best mortgage as a first time buyer

The best first time buyer mortgage deals in 2026 typically offer competitive rates starting from around 3.5-5% depending on your deposit size and credit history. Through FTBMD, you can access exclusive deals from 50+ UK lenders, including high street banks and specialist lenders, to find the perfect rate for your situation.
Most first time buyer mortgage deals require a minimum deposit of 5-10% of the property value. However, with a larger deposit of 15-25%, you'll typically access better rates. Some schemes like the Government's First Homes scheme can help with deposits.
To qualify for first time buyer mortgage deals, you typically need: to have never owned property before, a stable income, a good credit history, and the required deposit. Lenders assess affordability based on income multiples (usually 4-5x your annual salary).
Yes, there are several government schemes including: Lifetime ISA (up to £1,000 bonus per year), First Homes scheme (30-50% discount), Shared Ownership, and various regional schemes. Our advisors can help identify which schemes you qualify for.
When comparing first time buyer mortgage deals, look at: the interest rate (fixed vs variable), the total cost over the term including fees, any early repayment charges, and the loan-to-value ratio. FTBMD compares deals from 50+ lenders to find the best option for your circumstances.

Understanding First Time Buyer Mortgage Deals UK

Finding the best first time buyer mortgage deals can feel overwhelming, but understanding your options is the first step towards homeownership. As a first time buyer in the UK, you have access to exclusive deals and government schemes designed to help you get on the property ladder.

What Makes a Good First Time Buyer Mortgage Deal?

The best first time buyer mortgage deals UK offer competitive interest rates, flexible terms, and minimal fees. Key factors to consider include:

  • Interest rate type - fixed rates offer payment certainty, while variable rates may be lower initially
  • Loan-to-value (LTV) ratio - this affects your rate and deposit requirements
  • Term length - typically 25-35 years for first time buyers
  • Fees and charges - arrangement fees, valuation costs, and early repayment charges
  • Flexibility - options for overpayments or payment holidays

Current First Time Buyer Mortgage Rates 2026

First time buyer mortgage rates in 2026 vary based on several factors including your deposit size, credit score, and the lender. Generally, rates for first time buyers range from approximately 3.5% to 6%, with the best rates available to those with larger deposits (typically 25% or more).

Through FTBMD, you can access exclusive mortgage deals for first time buyers that aren't available on the high street. Our panel of 50+ lenders includes major banks, building societies, and specialist lenders who understand the unique needs of first time buyers.

Government Support for First Time Home Buyers

The UK government offers several schemes to help first time home buyer mortgage applicants:

  • Lifetime ISA - Save up to £4,000 per year and receive a 25% government bonus towards your first home
  • First Homes Scheme - Purchase new-build homes at 30-50% below market value
  • Shared Ownership - Buy a share of a property and pay rent on the remainder
  • Mortgage Guarantee Scheme - Enables 95% LTV mortgages from participating lenders

How to Get the Best First Time Buyer Mortgage Deals

To secure the best first time buyer mortgage deals UK, follow these steps:

  • Check and improve your credit score before applying
  • Save the largest deposit you can - larger deposits unlock better rates
  • Get a mortgage in principle before house hunting
  • Compare deals from multiple lenders - not just your bank
  • Consider using a mortgage advisor who can access exclusive deals
  • Factor in all costs - not just the monthly payment

Why Use FTBMD for Your First Time Buyer Mortgage?

FTBMD specialises in first time buyer mortgage deals, connecting you with expert advisors who understand the challenges first time buyers face. Our service is free, with no broker fees, and our advisors can access exclusive rates from over 50 UK lenders.

Whether you're looking for the lowest rate, need help with a small deposit, or have complex income that high street banks won't consider, our FCA-regulated partner advisors can find the right first time home buyer mortgage offers UK for your situation.