First Time Buyer

Our Methods

Helping You Make Informed Decisions

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Plan Ahead

Your mortgage should fit your future plans, not just today.

Get Expert Guidance

Personalised advice ensures you choose the right deal with confidence.

Buying your first home is exciting, but it can also feel a little overwhelming.

After the initial buzz of finding the perfect place, it’s completely normal to be left with more questions than answers. That’s exactly why we’re here — to guide you every step of the way.

If you’re unsure where to begin, we’ll help you cut through the complexity and find a mortgage that fits your budget and goals - so you can get the keys to your first home with confidence.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

1000s

Mortgage Products

90+

Mortgage lenders

100%

Tailored service

100+

5* Reviews

FAQ's

Frequently Asked Questions

1. Am I a first-time buyer?

You’re considered a first-time buyer if you (and any co-buyer) have never owned a property before.
There are several schemes designed to help first-time buyers get on the ladder.
If you’ve inherited a property in the past but haven’t bought one yourself, you’re still classed as a first-time buyer when you make your first purchase.

2. What deposit do I need for a first-time buyer mortgage?

Most first-time buyers need a minimum deposit of 5%.
A larger deposit can give you access to better rates, as lenders see you as lower risk.

Deposits can also come from family gifts, and some lenders allow a family member to act as a guarantor if they already own a property.

3. How much can I afford for my first home?

Your borrowing amount depends on several factors, including your deposit, income, existing credit commitments, and the loan size you need.

Speaking with a mortgage adviser is the best way to understand your affordability. We’ll assess your situation, explain your options, and help you find the right mortgage to fit your budget.

4. Do I need to pay stamp duty as a first-time buyer?

Stamp Duty Land Tax (SDLT) depends on the price of the property.
First-time buyers benefit from certain allowances, but if the property exceeds specific thresholds, SDLT may still apply.

You can check the latest stamp duty thresholds on the government website.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. RMR Finance Ltd. is registered with the Data Protection Act 1998 registration No: ZB104779 and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under Reference Number: 1017699 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 786245 and registered with the Data Protection Act 1998 Registration No: ZA178200. RMR Finance Ltd. Registered Office: 1 Oakhurst Drive, Crowborough, East Sussex, TN6 2TA. Registered in England Number: 13506538​THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Legal

Contact

FAQ

Privacy Policy