Making it easy for you to say yes to first time buyers

Helping first time buyers achieve their dream of owning a home is something we’re very proud of

March 2020 Update

As a result of the UK government’s “stay at home” advice, we have temporarily reduced our mortgage range to just offer a limited range of fixed rates for residential purchases.  As a result of this, mortgages which have a higher Loan to Value - which would often be suitable for First Time Buyers - are not currently available.

While we fully expect this to be a temporary measure and we are reviewing the situation daily, we cannot say how long this will be the case.  We will update here and by email to our broker panel when things change.

First Time Buyers

Taking those first, tentative steps on to the property ladder is a very exciting time and we know that choosing the right mortgage lender can be tricky.  When your client’s personal cirumstances differ from the norm or they need a little more attention, you need a lender with a personal touch.  We regularly look at ways to improve our first time buyer proposition through reviews of our rates and criteria.

It's not all about the rate

As well as competitive pricing, we're also pleased to offer:

  • Lending up to 95% across England, Scotland and Wales including New Build Houses
  • Generous cashback options
  • Free valuations
  • All cases individually reviewed and underwritten
  • No credit score (soft credit check on DIPS)
  • Max mortgage term up to 40 years
  • Gifted deposits from close family accepted


View 95% Product Range

How have we helped?

Unlike some lenders, we take the time to take a detailed look at your client's situation.  In practice, this means that we've been able to support a huge range of buyers who needed to take advantage of our flexible approach to underwriting.  Take a look at the stories below for just a few examples of how we've helped in the past.

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