Buying your first home can feel overwhelming, but it doesn’t have to be. We help first time buyers find the right mortgage, understand their options, and move forward with confidence - from deposit to completion.
We compare mortgages to find the right deal for your situation. From high street banks to specialist lenders, we compare thousands of deals to secure the right mortgage for you.
A first time buyer mortgage is designed for people purchasing their first home. While many deals are similar to standard mortgages, lenders often offer incentives such as lower deposits, cashback, or reduced fees.
Whether you’re buying alone or with a partner, getting the right advice early can make a big difference to what you can afford and how smoothly the process goes.
If you’re planning to move again in the future, our Home Mover Mortgages service can help you understand your options. Once you’ve secured your first property, you may want to review your deal later through Remortgaging.
The amount you can borrow depends on:
Most lenders offer between 4x and 4.5x your annual income, although this can vary.
Typically, first time buyers need a deposit of at least 5% of the property value.
A larger deposit can:
Our heroes can help you make the right decison.
Buying your first home involves more than just the deposit.
Key costs include:
We’ll help you plan for all costs upfront so there are no surprises.
There are several schemes that may help:
Shared Ownership
First Homes Scheme
Lifetime ISA (LISA)
Not all schemes suit everyone – we’ll help you decide what’s right.
Mortgage Heroes specialise in offering fully qualified financial advice on a whole-of-market basis to first time buyers. Going direct to a bank limits your options.
We:
We work for you – not the lender!
When we talk about protection, we’re talking about insurance, cover that steps in when life doesn’t go to plan. Whether it’s life assurance, critical illness cover, or income protection, it’s all designed to support you and your family when you need it most.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters. We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances. With our support, you can feel confident you’re making the right choice for yourself and your family.
Life assurance is designed to give your loved ones financial support if you’re no longer around. It pays out a lump sum if you pass away during the policy term, helping cover things like the mortgage, day-to-day living costs, or future plans such as education.
It’s not something anyone likes to think about, but having cover in place can bring real peace of mind. You’ll know that, whatever happens, the people who matter most to you will be taken care of.
There are different types of life assurance depending on your needs, and we’re here to help you choose the right one, with clear, honest advice that puts your family’s future first.
Critical Illness Cover is designed to give you financial support if you’re diagnosed with a serious illness like cancer, a heart attack, or a stroke. It pays out a one-off lump sum that you can use however you need, to help cover your mortgage, household bills, or even private treatment while you focus on getting better.
It’s not always easy to think about these things, but planning ahead means you won’t have to rely on savings or loved ones if your health takes a turn. We’ll help you choose the right cover, based on your needs and budget, with clear advice and no pressure.
Income Protection is designed to support you financially if you can’t work due to illness or injury. It pays out a regular monthly income to help you cover essential bills, like your mortgage or rent, utilities, and everyday living costs, so you can focus on recovery, not money worries.
Whether you’re employed or self-employed, this cover acts as a financial safety net when your usual income stops. We’ll help you find the right policy for your needs and budget, with clear, honest advice and no pressure.
ASU cover is designed to give you short-term financial support if you can’t work due to illness, injury, or redundancy. It pays a monthly income to help you manage essential costs like your mortgage or rent, bills, and day-to-day living expenses, giving you breathing space when life takes an unexpected turn.
It’s particularly useful if you don’t have much in savings or your employer offers limited sick pay or redundancy support. We’ll guide you through your options and help you decide if ASU cover is the right fit for your circumstances, with no jargon or pressure.
Your home is likely to be your most valuable asset, and what’s inside it matters just as much. Buildings and contents insurance protects both the structure of your home and your belongings, giving you peace of mind that, if the unexpected happens, you won’t be left facing the cost alone.
Whether it’s damage from a fire, flood, or storm, or the loss of personal items due to theft, this cover helps you put things right. We’ll help you find the right level of protection for your home and everything in it, at a fair price, with no jargon and no pressure.
Family Income Benefit is a type of life insurance that pays out a regular monthly income to your loved ones if you pass away during the policy term. Instead of a one-off lump sum, it provides steady financial support, helping cover everyday living costs, household bills, and family expenses over time.
It’s designed to make life easier for those left behind, offering practical support when it’s needed most. We’ll help you choose the right cover for your family, with advice that’s clear, personal, and pressure-free.
Whether you’re just starting to explore or ready to apply, we’re here to help you every step of the way.
Get expert mortgage advice, compare deals from across the market, and find out how much you can borrow.
Most lenders require at least 5% of the property value, although a larger deposit can improve your options.
