- First Time Buyers
- Buy to Let
- Other Mortgages
- Mortgage Rates
- About Us
Our advisers are with you from the first phone call to
the day you get your keys
We’re part of Which?, the independent consumer champion, and we make sure your interests come first. All our advisers are completely impartial and CeMAP qualified - so you can count on their expert knowledge. Watch our short video to meet our team and find out how we can help you get the right deal for you.
When you call you’ll come straight through to one of our expert advisers – no robots or call handlers to deal with, just impartial advice for first time buyers.
Let’s face it, the road to owning your first home is a bit scary. That's why you need an impartial expert on your side. We can guide you through the process with clear step by step advice, and our completely independent and impartial advisers will scour the whole of the market to find a mortgage deal that works for you.
95% and 100% mortgages are relatively rare compared to other mortgage types – if you’re struggling to get a deposit together a guarantor mortgage could be an option for you. Our team of expert advisers can give you personalised information based on your circumstances and let you know what deals might be available to you at the moment. Call us today to speak to an expert advisers about your options for securing a first time buyer mortgages.
There is no standard amount of deposit that you need but generally speaking the bigger the deposit you have, the cheaper the mortgage deals you will be able to get. But don’t despair if you’re struggling to save a large deposit there are still many mortgages out there for first time buyers. You can find typical first time buyer mortgage rates in our rates tables.
Saving for a deposit is notoriously difficult but Shared Equity and Shared Ownership schemes aim to make home ownership more affordable for people without substantial savings.
You won't pay for your initial consultation. If you decide that you'd like us to help with your application, we'll charge a fee of £499 to cover our administration costs.
This is paid in two parts:
A first instalment of £299 when we start. This fee is non-refundable and payable on application.
A second instalment of £200 once you complete your mortgage. If you're a full Which? Member when you first get in touch, this is £100 (this does not include temporary or trial membership).
*These amounts are subject to change. These charges apply to each mortgage contract you enter into through us. Once you've spoken to an adviser and provided details on your specific requirements, we'll confirm the exact fee to be paid and when it will be collected.
On most mortgage applications we receive a commission fee from the lender on completion. This is separate from our administration fee and is additional fee we receive.
Contact Which? Mortgage Advisers free from a mobile or landline on 0800 316 4071
Or we’ll arrange to call you
Your home may be repossessed if you do not keep up repayments on your mortgage.
Lines are open:
Monday – Thursday: 9am-8pm
Bank Holidays: closed