As one of the UK’s leading first-time buyer specialists, we help thousands of customers like you step onto the property ladder every month.
With rising rents and the cost of living to think about, saving up thousands of pounds can feel overwhelming. The good news? There are options.
At First Mortgage, we’re here to help you explore what’s possible — with personal, fee-free advice that’s tailored to you.
If you’re wondering what support is available for First Time Buyers, backed by Government schemes, we're here to help.
We’re here to support your journey to owning your first home, helping you understand your options, feel more confident, and take your next step whenever you’re ready.
Government backed schemes for First Time Buyers
There is help available for First Time Buyers to become home owners. We will help you understand what is available and whether it might be right for you.
The First Homes Scheme is a government-backed initiative in England designed to help first-time buyers purchase a home at a discounted price. Eligible buyers can buy a new-build property with a discount of at least 30% compared to its market value, making homeownership more affordable for people struggling to save for a deposit or keep up with rising house prices.
The scheme is available to first-time buyers in England with a household income of less than £80,000 per year, or £90,000 in London. In most areas, the property you buy must have a market value of £250,000 or less after the discount has been applied, or £420,000 in London. The discount stays with the property permanently, meaning future buyers will benefit too.
At First Mortgage, our advisors stay up to date with the latest home buying schemes and affordable housing options available across England. If you’re thinking about buying your first home, we can help you understand whether the First Homes Scheme could be right for you and guide you through the process with free, personal mortgage advice.
The Scottish Government has pledged to launch a new First Homes Fund to help first-time buyers in Scotland get onto the property ladder. The proposed scheme is expected to offer up to £10,000 in financial support for eligible buyers purchasing properties worth up to £300,000, with a target of helping more than 2,000 people within the government’s first 100 days. The scheme is expected to be available to people who have never owned a home before.
While full details are still expected to be confirmed, the fund could provide valuable support for buyers struggling with the cost of saving for a deposit and other upfront home buying costs. It forms part of a wider effort to improve access to homeownership for first-time buyers across Scotland.
Our advisors stay up to date with the latest announcements and developments around government support schemes, so if you’re thinking about buying your first home, we can help you understand how the First Homes Fund and other schemes could fit into your plans as more information becomes available.
There may also be other ways to make homeownership more accessible, depending on your circumstances. These can include Shared Ownership schemes, low or no deposit mortgage options, builder or developer deposit contribution offers on new-build homes, and specialist mortgage products designed for buyers with unique situations — there are many options out there that may be available to you.
We’ll explain which options are genuinely relevant to you, how they work in practice, and what the long-term considerations are, so you can move forward feeling informed and confident.
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Ready to get accepted on a mortgage?
If you’re still getting your head around the process, this is the journey we’ll go on together.
We’ll get to know you and understand your unique situation and priorities. That way, we can tailor our advice to meet your specific needs.
We’ll run the numbers and calculate your borrowing potential. Then we’ll use smart tech to search thousands of mortgage deals from major banks and specialist lenders, securing your mortgage in principle with a mortgage that’s right for your situation.
With a mortgage in principle, you’re in a stronger position when booking viewings as a serious buyer. You can act quickly and make an offer the moment you find your perfect home.
Once your offer is accepted, we’ll manage all the paperwork and coordinate with your lender, solicitor and surveyor to ensure everything runs smoothly.
Your mortgage journey doesn’t end when you get your keys. We’ll monitor your mortgage and be in touch when it’s time to renew or if better deals become available. We can also help protect your home and family with tailored protection advice.
And remember — our advice is fee-free forever.
People first
At First Mortgage, you’ll find people who understand your circumstances and provide friendly, personal and tailored advice, alongside access to over 12,000 leading products.
With over 25 years of experience, we know what works.
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