First Time Buyers

As first time buyers, you will know that buying your first home can be both exciting and daunting. Our experienced mortgage advisors will talk you through the mortgage application process and the government schemes that are available to you. You will be assigned your own personal mortgage administrator who will be there to keep you up to date with each element of the application process.

The government will lend you up to 20% of the purchase price of your newly built home, you will only need a 5% cash deposit and a 75% mortgage to make up the rest.

For people buying in a London borough, the government will lend you up to 40% of the purchase price of your newly built home, you will only need a 5% cash deposit and a 55% mortgage to make up the rest.

Take a look at our London Help to Buy Guide

You can buy a share of your home between 25% and 75% of the home’s value with a mortgage and you pay rent on the remaining share. You will then be able to buy further shares when you can afford to.

Take a look at our Shared Ownership Mortgages

The Help to Buy ISA scheme is no longer available for new savers. However, if you already have a
Help to Buy: ISA you can keep saving into your account until 30 November 2029 when accounts
will close to additional contributions. You must claim your bonus by 1 December 2030.

What other cost are involved?
Mortgage arrangement
Valuation fees
Stamp duty
Solicitors fees
Survey cost
Removal costs
Buildings insurance & life cover
first time buyers montage
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What our happy customers say about
The Mortgage Brain
Great work, great mortgage deal

I would not go anywhere else for a mortgage deal. Enzo gets me the best deal every time I visit and provides a service that is second to none.

Steve, Gloucester

Excellent service

Excellent service, highly recommended. Great communicators and very helpful for us as first-time buyers.



Always there to help with helpful and honest advice, would recommend to anyone. We are first time buyers and they really helped with simplifying all the jargon and giving us great advice.

Chris M

Great communication and customer…

Great communication and customer service throughout the process.


Highly recommended

A very helpful, trustworthy and straight,-talking service that got us the result we wanted

First time buyer

Well rounded company

Very informative personnel, happy to help and easy to communicate with. I would definitely recommend


Excellent service!

Excellent service!
Couldn’t ask for.more. thank you so much !!

Mr&Mrs Martin
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