Your first home, from zero deposit up
Whether you've saved a 5% deposit or none at all, we'll show you every scheme you qualify for — including 100% no-deposit mortgages — and guide you from first conversation to front door key.
From zero deposit to 5%
Your deposit can be anywhere from nothing to 5% of the purchase price. 100% mortgage schemes from Gable, April and Skipton need no deposit at all, while 95% mortgages start from around 5% — roughly £5,000 on a £100,000 property.
The bigger your deposit, the wider the lender choice and the lower the rate. But don't assume you need a big deposit — we'll show you every option your circumstances unlock, including no-deposit routes.
We'll also tell you the cash you need beyond the deposit: solicitor fees, survey costs and moving expenses, so your first home doesn't come with hidden surprises.
Government and lender schemes
Beyond standard mortgages, there are schemes designed to help first-time buyers: 100% no-deposit mortgages, 95% LTV mortgages, and First Homes discounted properties for key local buyers.
We track which schemes are open, which lenders support them, and how they interact with your circumstances — for example, whether a 100% scheme can be used on the new build you've reserved.
We'll never push you toward a single product. We compare the whole market and show you the schemes that genuinely fit, with the true cost of each laid out clearly.
From first conversation to keys
It starts with a free consultation to review your income, deposit and goals. We then secure an Agreement in Principle so you can make credible offers, and submit the full application once you've found the home.
We handle the paperwork, chase the lender, and coordinate with our trusted solicitor partner for the legal work — one joined-up team from offer to completion.
For new builds, we time the application to the build programme so your offer lands when the property is ready, not months early.
What it actually costs to buy
Most first-time buyers pay no stamp duty on the first portion of their purchase thanks to first-time buyer relief, though this depends on the property price and current thresholds — we'll confirm the figure for your purchase.
Beyond the deposit, budget for solicitor fees, a survey, and moving costs. We'll give you a realistic total at your first consultation so you know the full cash needed before you commit.
Many of our mortgages are paid via lender commission with no broker fee to you; complex cases may carry a fee, which we'll always confirm upfront.
Frequently asked questions
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