How much can I borrow?
A rough range based on your income, and what that could mean for your budget.
You'll enter
- Annual income
- Second applicant's income
- Deposit
Mortgage advice
First-time buyer mortgages in Uxbridge and West London
Deposits, affordability and each step explained before you commit.
I'm buying my first home
The short answer
First-time buyer mortgages, in plain English.
Most first-time buyers need a deposit of at least 5% of the property price, plus money for legal fees and surveys. Lenders check your income, outgoings and credit history to decide how much you can borrow. An adviser compares lenders' criteria for you and manages the application through to completion.
Who it's for
Anyone buying a home in the UK who hasn't owned property before — on your own, with a partner, or with family help towards the deposit.
Try a calculator
Stamp Duty
Work out Stamp Duty in England and Northern Ireland, including first-time buyer relief.
You'll enter
- Property price
- Your situation
What happens once I get in touch?
How first-time buyer advice works.
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Check affordability
We look at income, deposit and credit history, then get an agreement in principle.
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Make an offer
Once accepted, we recommend a mortgage and explain the costs in writing.
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Application and valuation
We submit your application; the lender values the property.
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Offer to completion
Your solicitor completes the legal work and you collect the keys.
Working with 90+ lenders, including
What will it cost, and what are the risks?
Costs and risks to know about.
Costs to budget for
- Deposit
- Stamp Duty — first-time buyer relief may apply
- Solicitor or conveyancer fees
- Survey and valuation
- Lender product fees
- Our fee, if any — explained in writing first
Please read
Your home may be repossessed if you do not keep up repayments on your mortgage.
Who will I speak to?
Meet the Zinga team.
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Aditi Sinha
Mortgage and Protection Adviser
Email Aditi -
Seema Babber
Mortgage and Protection Adviser
Email Seema -
Dylan Sidhu
Mortgage and Protection Adviser
Email Dylan -
Arifa Shakoor
Mortgage and Protection Adviser
Email Arifa -
Case management
Kunjan Kunwar
Mortgage Case Manager
Email Kunjan - See all profiles
What clients say.
As a first-time buyer, the mortgage process felt overwhelming at times, but Aditi made everything clear, straightforward and stress-free from start to finish.
Adviser: Aditi Sinha-
As a first-time buyer, the mortgage process felt quite stressful and confusing at times, but Seema explained everything clearly and guided me step by step.
Google reviewsurekha R
Adviser: Seema Babber
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From day one, Aditi went above and beyond to guide us through every single step.
Trustpilot reviewSayantan Chakravorty
Adviser: Aditi Sinha
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She arranged the bank survey immediately and secured our Halifax mortgage approval in just 3 working days, which was incredible.
Google reviewNishanth Muniasamy
Adviser: Seema Babber
First-time buyer questions.
Didn't find your answer? Ask us directly.
Can I get a mortgage with a 5% deposit?
Some lenders offer 95% mortgages. Rates are usually higher and criteria stricter, so we show how they compare with a 10% deposit.
What is an agreement in principle?
A lender’s indication of how much it may lend, based on a basic check. It helps show sellers you’re serious, but isn’t a guaranteed offer.
Can family help with my deposit?
Many lenders accept a gifted deposit with a signed gift letter. We’ll explain the options and what the lender will ask for.
Still unsure?
Talk to an adviser.
Also worth a conversation.
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Personal protection
Life, income and critical illness cover, reviewed with your mortgage.
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Home insurance
Buildings and contents cover, arranged alongside your mortgage.
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Remortgage
Review your options three to six months before your rate ends.
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Buy-to-let
Buy-to-let purchases, remortgages and how rental income is assessed.