First-Time Buyer
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Talk To AI Assistant “MortgageTek's AI tool helped me understand exactly what I could borrow before I even spoke to an adviser. Completed in 8 weeks — incredible service!”
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Sarah M.
First Time Buyer · London
First-Time Buyer
Your First UK Mortgage, Approved Faster.
AI-matched first-time buyer mortgages from 90+ UK lenders — 5% deposit deals, Shared Ownership, First Homes and 5.5× income products. Offers in an average of 11 days.
Start AI ConsultationTrusted By Thousands
Everything You Need To Buy Your First Home
FCA Regulated
Fully authorised and regulated by the Financial Conduct Authority for your protection.
Whole of Market
Access to thousands of mortgage products from over 90 UK lenders.
Expert Advisers
Dedicated mortgage specialists with deep knowledge of the UK market.
No Hidden Fees
Transparent pricing with no surprises. We earn from lenders, not from you.
Thousands of Deals
Thousands of mortgage products compared so you don't have to.
Fast Decisions
Get a mortgage in principle in minutes with our digital-first approach.
Why Choose Us
Mortgage Advice Designed Around First-Time Buyers
We simplify the mortgage process so you can focus on finding your dream home.
Dedicated Mortgage Adviser
Your own personal adviser guides you from first call to completion.
Compare 90+ UK Lenders
We search the whole market to find the very best deal for you.
Mortgage In Principle Fast
Receive your agreement in principle in as little as 30 minutes.
Support Until Completion
We stay with you all the way through to collecting your keys.
Digital Application Process
Apply online in minutes — no paperwork, no queuing at branches.
Evening & Weekend Appointments
We work around your schedule, not the other way around.
Buying Your First Home Has Never Been Easier
Our simple four-step process removes the stress from getting your mortgage.
Free Consultation
Chat with your dedicated adviser to understand your goals and affordability.
Find The Right Mortgage
We search 90+ lenders to identify the best mortgage product for your situation.
Submit Your Application
We handle all the paperwork and submit your mortgage application digitally.
Receive Your Mortgage Offer
Get your formal mortgage offer and prepare to move into your new home.
Smart Tools
Know Your Numbers Before You Apply
Our AI-enhanced calculators give you accurate estimates in seconds. Understand your borrowing power, monthly costs, and stamp duty before speaking to an adviser.
Quick Mortgage Calculator
Loan Amount £250,000
Interest Rate (%) 4.5%
Term (years) 25 years
Estimated monthly repayment
£1,390
Representative example — actual rates may vary
Why First-Time Buyers Love Us
Everything You Need Under One Roof
From your first enquiry to collecting your keys, we’re with you every step.
Low Deposit Options
Access competitive 5% and 10% deposit mortgages designed for first-time buyers.
Learn moreShared Ownership
Buy a share of your home and pay rent on the rest — a smart route onto the ladder.
Learn moreGovernment Schemes
Expert guidance on Help to Buy, First Homes, and all available government support.
Learn moreGifted Deposits
Use a family gift as your deposit — we'll handle the paperwork with your lender.
Learn moreCredit Guidance
Tailored advice to improve your credit score before applying for your mortgage.
Learn moreMortgage Protection
Protect your home and family with life insurance and income protection solutions.
Learn moreNot Sure Which Mortgage Is Right For You?
Our AI mortgage assistant analyses your situation and matches you with the right product and lender — before you speak to an adviser.
Talk To AI Assistant Client Stories 4.9/5 from 2,400+ reviews on Trustpilot First-Time Buyer Contractor Self-Employed Remortgage Buy-to-Let First-Time Buyer
Thousands of Happy Homeowners
Real people. Real results. See what our clients say about their mortgage journey with MortgageTek.
5.0/5 from 175 Google reviews
“As a contractor, I'd been turned away by three banks. MortgageTek found me a lender who used my daily rate and got me a £520k mortgage. Life-changing.”
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James K.
IT Contractor · Manchester
“The team understood my retained profits situation immediately. Secured a great rate and the whole process was smooth. Highly recommend!”
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Priya T.
Self-Employed Director · Birmingham
“Remortgaging felt daunting but MortgageTek made it simple. They found a better rate than my bank offered and saved us hundreds monthly.”
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Aisha R.
Second-Time Buyer · Leeds
“Third property purchase with MortgageTek and every time the process gets smoother. Their broker actually understands landlord finances.”
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David C.
Buy-to-Let Investor · Bristol
“I had no idea where to start but the team walked me through every step. Got keys to my first flat in just 6 weeks.”
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Emma L.
First Time Buyer · Bristol
Contact Us
Talk to our Mortgage Experts
Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
FAQ
Common Questions
Everything you need to know about mortgages
Yes, first-time buyers who are contractors can apply for Contractor Mortgages. Lenders typically require a minimum contracting history of 12 to 24 months and may have specific criteria for first-time buyers.
The Help to Buy: Equity Loan scheme in England ended in March 2023. However, alternative schemes such as First Homes and Shared Ownership are still available to support first-time buyers.
To increase your chances of approval, consider the following: • Maintain a stable contracting history. • Manage your finances responsibly. • Work with an experienced mortgage advisor. • Ensure all required documents are accurate and up-to-date.
It's possible, but your options may be limited. You might need a larger deposit and may face higher interest rates. Some lenders specialise in helping buyers with less-than-perfect credit.