A mortgage is often the biggest financial commitment of a person's life. First-time buyers typically need to pay at least 5% of the purchase price of their property as a deposit, but every circumstance is different.

Our mortgage borrowing calculator gives you an estimate of the amount you can borrow, the deposit you’ll need, and the monthly payments you should budget for.

Explore the most frequently asked questions first-time buyers have put to our team of mortgage experts. Find answers to your question online now or ask your own question and our knowledgeable mortgage experts will reply as soon as they can.

I had a joint mortgage with my ex-wife now I'm off that and on my own am I a first time buyer again

After separation, what am I classed as for mortgage purposes? Am...

What happens to my mortgage after getting a divorce?

What happens to our mortgage after divorce?

Mortgage with CCJ's on my record?

I have several CCJs and looking to apply for a mortgage

Can our daughter get a guarantor mortgage & put a charge on ours?

My wife and I own our on home valued at £300,000 without a...

Builders Gift Deposit - 5%

I've been looking at buying a house through Barratts. They will...

Capital raising on parent's home

I would like to borrow some money secured on my parents house

With a low credit score can we get a mortgage with a 5% deposit?

My husband and I have a 5% deposit for a house priced £126,500....

Shared Ownership & Stamp Duty

My partner and I are looking to buy a property through shared...

If my ex husband dies am I solely responsible for our mortgage?

My ex husband and I have both our names on the mortgage and he...

Can we exchange contracts now, and delay completion for 6 months?

We want to buy a house but not move in for 6 months. The seller...

How much deposit will I need?

If I wanted to buy a house for the value of £110,000, how much...

I own our current home my wife has never owned a property can we get a first-time buyer mortgage

I have a flat in my name only valued at £64.5k with a £30k...

Declined by HSBC

Just because you have been declined by HSBC doesn't mean that you...

A broker told me I can't get a mortgage because of a default settled 4 years ago. Is this true?

I have been told by a mortgage broker, that i am unable to get a...

Elderly Guarantor

Do you know of any mortgage lenders that don't have an age limit...

I'm buying a house with my mother. Can we get a mortgage?

Hello, My parents are midway through a divorce and are selling...

Mortgage with Overseas Guarantor

My cousin is a British citizen living in Dubai for the last 4...

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