First Time Buyer Mortgages

Buying your first home is exciting, but it can feel confusing too. We’ll guide you through each step, explaining everything clearly and helping you find the right mortgage for your situation.

At Cloud Mortgages, our friendly experts make the process simple, stress-free and fully tailored to you – so you can buy your first home with confidence.

Getting your first mortgage can feel daunting – here’s how we make it easier

Letting you know what to expect throughout
Explaining what you can afford
Securing your Agreement in Principle
Finding the right mortgage for your first home

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

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
You may have to pay an early repayment charge to your existing lender if you remortgage

Finding Out How Much You Can Borrow With a
First Time Buyer Mortgage

Before you start viewing properties, it’s important to know what’s affordable and realistic for you. We’ll assess your income, deposit, and commitments to give you a clear picture of how much you can borrow – and what your monthly repayments will look like.

Our friendly team will also explain how different lenders assess affordability, so you can search with confidence and avoid any surprises later on.

Things to Think About

Key factors lenders consider – and how we help you prepare

Setting a Realistic Budget

Before you start viewing homes, we’ll help you work out a comfortable price range. That includes understanding your repayments, deposit options, and other costs like legal fees or insurance.

Your Employment & Income

Whatever your occupation, we know which lenders are most flexible. Our advisers will make sure your income is presented in the best possible way to strengthen your application.

Deposit & Credit Profile History

Your deposit size and credit profile influence the deals available – but even if you’ve had issues in the past, we’ll explore specialist lenders and find a route that works for you.

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0330 111 6687

Getting a First Time Buyer Mortgage Agreement in Principle

Once you know what you can afford, the next step is securing an Agreement in Principle.

Your Agreement in Principle is proof you’re ready to buy. It tells you exactly what a lender might offer and helps your offer stand out to sellers.

At Cloud Mortgages, we’ll guide you through the process and can often secure your AIP within a day – so you can view homes and make offers with confidence.

Your Next Steps

We’ll guide you from first chat to mortgage approval – here’s what to expect.

Talk to an Adviser

We’ll start with a quick conversation to understand your goals, budget, and situation – no obligation, no pressure.

Compare Lenders & Rates

We’ll search the market to find the most suitable options and explain everything clearly before you decide.

Move Forward with Confidence

Once you’re happy, we’ll handle the paperwork and guide you through to completion, keeping you updated every step of the way.

We compare thousands of mortgage deals from leading UK lenders to find the one that’s right for you.

Check out our reviews

Why Choose Us for your First Time Buyer Mortgage?

No Pressure, No Obligation

You’re never tied in or rushed to make a decision. We offer clear, honest guidance so you can move forward at your own pace – with full confidence in your choices.

Support for Every First Time Buyer

Whatever your budget or background, our advisers will help you explore all your options. We’ll find the most suitable mortgage deal for your circumstances – with friendly advice.

Clear Communication at Every Stage

We’ll keep you updated from start to finish, explaining each step in plain English. No jargon, no confusion – just prompt answers and transparent advice whenever you need it.

Access to 1,000s of Mortgages

We’re not tied to any one lender, meaning we can compare hundreds of deals to find the right one for you. Whether you’re looking for competitive rates or flexible terms, we’ll make sure you get the best fit.

Book Your No-Obligation Consultation

Your consultation, your way – meet in person, by video, or on the phone.

Face to face

Video conferencing

Telephone advice

First Time Buyer Mortgages expert guides

The Step-by-Step Mortgage Process for First-Time Buyers Explained

Confused by the mortgage process? This step-by-step guide for first-time buyers explains every stage from saving a deposit to getting your keys.

Read More The Step-by-Step Mortgage Process for First-Time Buyers Explained
Compare First-Time Buyer Mortgages and Save Thousands

Learn how to compare first-time buyer mortgages like a pro – avoid costly traps, understand real rates, and save thousands with smarter decisions.

Read More Compare First-Time Buyer Mortgages and Save Thousands
How Much Deposit Do You Need as a First-Time Buyer?

Discover how much deposit you need to buy your first home in the UK, what affects your mortgage options, and how to build your savings faster.

Read More How Much Deposit Do You Need as a First-Time Buyer?

Have questions?

Unsure about how first time buyer mortgages work? Don’t worry – we’ve answered some of the most common questions below.

It’s a mortgage designed for people buying their first home. Lenders often have specific products and incentives for first-time buyers, such as lower deposits or cashback offers.

Most first-time buyers need around 5–10% of the property price, but some lenders accept smaller deposits. We’ll help you explore all available options – including government schemes if you qualify.

Once we’ve found the right deal, approval typically takes between one and three weeks. We’ll handle the process and keep you updated at every stage.

Yes – it’s often still possible. We work with a wide range of lenders, including those who consider applications from people with credit issues, self-employment, or variable income.

Usually, you’ll need ID, proof of income (like payslips or accounts if self-employed), recent bank statements, and details of your deposit. We’ll guide you through everything before you apply.