How We Selected the Above First-Time Buyer Mortgage Advisers

The advisers featured in this guide are selected based on their experience supporting first-time buyers, quality of service, client feedback and their ability to explain complex mortgage concepts in a clear and practical way.

We also consider whether advisers offer proactive guidance, realistic affordability assessments and ongoing support throughout the buying process, from initial enquiry through to completion.

This guide is not exhaustive and many other excellent first-time buyer mortgage advisers can be found on Mortgage Adviser Directory.

What Makes a Great First-Time Buyer Mortgage Adviser?

A great first-time buyer mortgage adviser understands that no two buyers start from the same position. They take time to explain the process, set realistic expectations and help you prepare before you begin viewing properties or making offers.

The advisers featured in this guide are known for clear communication, patience and a supportive approach. This includes explaining deposits, loan-to-value, credit checks and lender requirements in plain English, without pressure or unnecessary jargon.

How a First-Time Buyer Mortgage Adviser Can Add Value

Working with a first-time buyer mortgage adviser can add value at every stage of the journey. Advisers can help you understand how much you may be able to borrow, which lenders are likely to suit your circumstances and how to strengthen your application.

They can also support you with agreements in principle, liaise with lenders and estate agents, and guide you through the application process once an offer has been accepted. For many first-time buyers, this support provides reassurance and helps avoid common mistakes or delays.

Useful First-Time Buyer Calculators

If you’re buying your first home, the calculators below can help you explore affordability, understand how your deposit affects borrowing and estimate potential monthly repayments. They provide a helpful starting point only and do not take into account individual lender criteria or your full circumstances.

• Mortgage Affordability Calculator – Estimate how much you may be able to borrow based on income and common lender multiples

• Loan-to-value Calculator – See how your deposit size affects borrowing levels and available mortgage options

• Mortgage Payment Calculator – Explore potential monthly repayments to help you understand how different loan amounts or terms could affect your budget

A first-time buyer mortgage adviser can help you interpret these figures properly, explain how lenders assess applications in practice and guide you through the process with confidence, from agreement in principle through to completion.

When Should a First-Time Buyer Speak to a Mortgage Adviser?

Many first-time buyers speak to an adviser once they’ve found a property, but it can be beneficial to get advice earlier. An initial conversation can help you understand your budget, deposit requirements and what lenders are likely to look for before you start viewing homes.

You may also want advice if you’re saving for a deposit, receiving help from family, or considering schemes such as shared ownership or guarantor-style arrangements. Speaking to an adviser early can help you plan with confidence.

What to Expect When Working With a First-Time Buyer Mortgage Adviser

Most first-time buyer mortgage advisers begin with an initial discussion to understand your income, deposit, credit history and plans. From there, they will explain suitable mortgage options and what documentation you’ll need.

If you decide to proceed, your adviser will help you apply for an agreement in principle, guide you through the full mortgage application and keep you informed as things progress. Many first-time buyers value having a single point of contact throughout the process.

How This Guide Should Be Used

This guide is part of our Best Adviser Guides and is designed to help you shortlist and compare first-time buyer mortgage advisers, not to suggest that one firm is right for everyone. Each adviser brings different experience, service styles and strengths.

We recommend using this page as a starting point, reviewing individual adviser profiles and speaking to one or two advisers before deciding who you feel most comfortable working with.

Who Should Use a First-Time Buyer Mortgage Adviser?

A first-time buyer mortgage adviser can be particularly helpful if you:

• Are buying your first home and want clear guidance

• Are unsure how much you can afford to borrow

• Have a gifted deposit or family support

• Have limited credit history or changing income

• Want help managing the mortgage process from start to finish

Even if your situation feels straightforward, an adviser can help confirm whether a mortgage is suitable and explain your options clearly.

Find a First-Time Buyer Mortgage Adviser

If you’re ready to take the next step, you can explore the advisers featured in this guide or use Mortgage Adviser Directory to find a first-time buyer mortgage adviser who matches your needs.