Mortgages
First-time buyer mortgages in Uxbridge and West London
Deposits, affordability and each step explained before you commit.
- No obligation
- Takes 2 minutes
- Speak to a real adviser
- FCA regulated
- Whole-of-market
- 90+ lenders
- Personal adviser support
The short answer
First-time buyers, explained in plain English.
Written by Aditi Sinha, mortgage and protection adviser
Updated
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 this is 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.
Your options
Your adviser compares these with you and explains the trade-offs before you decide.
5–10% deposit
Fewer lenders and usually higher rates, but it can get you on the ladder sooner.
15% deposit or more
Opens up more lenders and typically lower rates.
Family-assisted
Gifted deposits, or products where family savings support the loan.
How it works
From first call to completion.
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01
Check affordability
We look at income, deposit and credit history, then get an agreement in principle.
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02
Make an offer
Once accepted, we recommend a mortgage and explain the costs in writing.
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03
Application and valuation
We submit your application; the lender values the property.
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04
Offer to completion
Your solicitor completes the legal work and you collect the keys.
Before you start
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
Risks
Your home may be repossessed if you do not keep up repayments on your mortgage.
We explain the risks of any recommendation in writing before you proceed.
01Can 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.
02What 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.
03Can 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.
Mortgage enquiry
Talk to an adviser about first-time buyers.
Takes about two minutes. An adviser will be in touch to talk through your options.
- 1What you need
- 2Property details
- 3Your details
- ✓Adviser follow-up
Why people enquire with us
- A named adviser and case handler look after your case
- We compare lenders across the market, not just one bank
- FCA regulated — firm reference 752191
- Phone, WhatsApp, video or at our Uxbridge office
Your details are kept secure and only used to handle your enquiry.