Helping you take your first step on the property ladder, with a First-time buyer mortgage.
MORTGAGE ADVISOR
Whether you’re in Aberdeen, London, or anywhere in the UK, our expert team provides clear, friendly advice
Buying your first home with a first-time buyer mortgage is exciting—but it can also feel overwhelming. From understanding how much you can borrow to navigating mortgage offers, there’s a lot to take in. That’s where we at Hay-House Financial Services come in.
At Hay-House Financial Services, we specialise in first-time buyer mortgage solutions. Whether you’re in Aberdeen, London, or anywhere in the UK, our expert team provides clear, friendly advice to help you feel confident every step of the way.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A first-time buyer mortgage is a home loan designed for people purchasing their first property. These mortgages often come with unique benefits, including:
- Lower deposit requirements
- Competitive interest rates
- Access to government schemes like Help to Buy, the LIFT Scheme, and the Lifetime ISA
We’ll help you understand your eligibility and find the best deal that fits your budget and long-term goals.
How we can help First-time buyers
Personalised Mortgage Advice
We take the time to understand your finances and match you with a first-time buyer mortgage from our wide panel of trusted lenders.
Guidance on Government Schemes
We’ll explain your options clearly and help you apply for the right support, whether you’re considering Help to Buy or other incentives.
Support From Start to Finish
We guide you through every stage, from your initial enquiry to moving in. This includes:
- Budget planning
- Mortgage pre-approval
- Application submission
- Liaising with solicitors and estate agents
How much can I borrow as a first-time buyer?
It depends on your income, expenses, and credit score. We can provide a personalised estimate during our first consultation.
Do I need a deposit?
Yes, typically a 5% minimum is required. However, we can help you explore low-deposit or even no-deposit first-time buyer mortgage options.
What if I have a poor credit score?
It may still be possible to get approved. We work with lenders who consider buyers with a range of credit histories.
- Friendly, jargon-free guidance
- Access to a wide choice of mortgage providers
- Fast, responsive service tailored to first-time buyers
- Ongoing support—even after your keys are in hand
We’ll help you understand your eligibility and find the best deal that fits your budget and long-term goals.
Ready to get started?
Your journey to homeownership begins here. Contact Hay-House Financial Services today for expert advice on your first-time buyer mortgage.
Let’s make your first home a reality. Call us on 07502 523238 or Email sl@hay-house.co.uk to book your consultation today for expert, financial advice you can trust.