First time buyers

Helping your clients onto the property ladder.

Supporting your clients

First time buyers often face challenges when buying their first home. Being a solution-based mortgage lender, we have many products available to suit the unique circumstances of your first time buyer clients, helping them step onto the property ladder.

If you would like to talk through your client’s case call us on 0800 015 1320.

Alternatively, take a look at our full product range.

Helping first time buyers in our heartland

There are some fantastic career opportunities for the younger generation here in Cumbria and South Lakes but a lack of high LTV mortgages can make it difficult for them to realise their dream of buying their first home. We're immensely proud to support our Heartland by offering a first time buyer product for properties in LA postcodes.  Contact your BDM to discuss this with us.

Our mortgages - Joint Borrower, Sole Proprietor

Joint Borrower Sole Owner success

Our Joint Borrower Sole Owner solution helped Peter overcome barriers created by his capped salary.

Latest articles


Solution for limited credit

We helped first time buyers Shona and James secure their mortgage with a limited credit history.

Innovative Buy-to-Let Solution

We helped Miss Peters overcome Interest Coverage Ratios (ICRs) barriers when remortgaging her rental property.

Mortgages for complex incomes

Dr Kinsella needed a flexible mortgage lender who could assess her multiple income streams fairly.

Get in touch

BDM contacts

Get in touch with our team directly


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