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Personal mortgage guidance for

First time buyers

Our advisers are with you from the first phone call to
the day you get your keys

Call us now

Free from your mobile or landline

0800 316 4071

Or we can call you...

Request a call back

Lines are open:
Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday: 9am - 1pm

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Why choose us?

  • We're Which? Mortgage Advisers - we're on your side
  • We guide you through the whole process step by step
  • Our qualified advisers are fully independent and impartial
  • Your initial consultation is free - you only pay a fee if you decide
    to submit an application with us
  • We search 11,000+ mortgages to find one that's right for you
  • You pay a flat fee in two parts with no hidden charges
    (See 'What we charge' section below)

Get the help you need

  • Taking your first steps onto the property ladder can be daunting. We’ll guide you through the whole process and search the whole market to find a first time buyer mortgage for you.
  • We’ll explain all the different first time buyer mortgage deals and offers to you in jargon free language that you can understand.
  • Our advisers give you independent and impartial advice tailored to meet your needs. We pay our advisers a fixed salary not individual commission, so you can be confident that they're focused on finding the right deal for you, not us.
  • We can offer advice on first time buyer mortgages including schemes like Help to Buy and Shared Ownership.

Mortgage calculators

Get an idea of how much you could borrow and what your repayments might be with our handy calculators.

Use the repayment calculator How much can I borrow? Use the stamp duty calculator

About Which? Mortgage Advisers

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.

Friendly experts offering mortgage advice for
First time buyers

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.

Call us now

Free from your mobile or landline

0800 316 4071

Or we can call you...

Request a call back

Lines are open:
Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday: 9am - 1pm

More about buying your first home

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

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.

How big a deposit do I need?

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.

Help to Buy mortgages

The Help to Buy scheme provides support for first time buyers trying to get on the housing ladder, as well as existing homeowners looking to upsize to a new property. Find out more about Help to Buy or download our free guide for more information.

Shared Ownership and Shared Equity

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.

  • I originally attempted to deal directly with the providers but, as a first time buyer, found this approach time confusing and daunting. Which? made the process more straightforward. They were very helpful, informative and responded promptly to emails
    J Barrett
  • As first time buyers we were nervous and unsure about what we were doing, but our Adviser Adam was excellent at guiding us through the process, offering us detailed information and advice. He was friendly, knowledgeable and was able to explain things in simple terms. We really valued the professional service he gave us and I have already recommended him to friends.
    Amy S

What we charge

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.

We’re here to help you

Contact Which? Mortgage Advisers free from a mobile or landline on 0800 316 4071

Or we’ll arrange to call you

Request a call back

Your home may be repossessed if you do not keep up repayments on your mortgage.

Lines are open:
Monday – Thursday: 9am-8pm
Friday: 9am-6pm
Saturday: 9am-1pm
Sunday: closed
Bank Holidays: closed