Take the smartWay home.
Buying for the first time means making large decisions in unfamiliar language, often under significant pressure. We explain what you can borrow and why, compare lenders across the whole market and stay with you from the first conversation until you collect the keys.
How we help
Whether you are buying alone, with a partner or with help from family, we set out your options in plain English before you commit to anything.
We assess what lenders are likely to offer before you start viewing, so that you search with a realistic figure in mind.
Gifted deposits, family-assisted mortgages and government-backed schemes are explained and compared where they are relevant to you.
A lender's agreement in principle shows estate agents and sellers that you are in a position to proceed.
We manage the application and keep in touch with your solicitor and the estate agent until the purchase completes.
Quick calculations
A first indication of what you could borrow and what it might cost each month.
Borrowing is shown at 4 to 6.5 times gross annual income after a year of credit commitments; most lenders work around 4 to 4.5 times. Repayments assume a constant rate and exclude fees. Stamp duty uses HMRC residential rates checked on 7 October 2026 for a UK resident buying in England or Northern Ireland. These are indications only: lenders assess affordability in detail and your solicitor will confirm the tax due.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
A couple buying their first flat, with part of the deposit given by parents.
We confirm which lenders accept gifted deposits and what each will ask the family to sign.A buyer who has recently changed employer and is still within a probation period.
We approach lenders who will consider a new role, depending on the contract and employment history.A single applicant concerned that one income will not stretch far enough.
We compare how different lenders calculate affordability and whether a longer term or family support could help.A first-time buyer whose own income falls short of the loan needed, with a parent willing to support the application.
A parent's income can count towards affordability without them becoming an owner of the property. We identify lenders that offer this and explain the commitment each party takes on.Frequently
asked questions
How much deposit do I need?
Many lenders ask for at least 5% of the purchase price and a larger deposit usually gives access to lower rates. The right figure depends on the property and your circumstances.
How much can I borrow?
Lenders base this on income, outgoings and credit history and their calculations vary considerably. Our affordability calculator gives a first indication, which we then confirm with lenders.
When should I speak to a broker?
Ideally before you begin viewing. Knowing your budget and holding an agreement in principle puts you in a stronger position when you make an offer.
What costs should I plan for besides the deposit?
Typically solicitor's fees, a survey, any lender or broker fees, moving costs and, depending on the price, stamp duty. We set these out at the start.
Do first-time buyers pay stamp duty?
First-time buyer relief can reduce or remove stamp duty up to certain price limits. The rules change from time to time, so we confirm the position for your purchase.
Speak with us today
Tell us what you are hoping to buy and when. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. Lending is subject to status, lender criteria and individual circumstances.