🔥 58,000+ people matched with FCA-regulated advisers through Nesto — join them today →
⭐ Rated 4.9/5 · FCA Regulated · Free Service
Find a First Time Buyer Mortgage Broker in the UK
Buying your first home is one of life's biggest moments. Don't navigate it alone. Get matched with a specialist first-time buyer mortgage broker who'll guide you from start to keys.
✅ No credit check⚡ Matched in minutes🔒 FCA regulated
£10k+schemes available to help you buy
25k+people matched
4.9★average rating
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
🏆58,000+ people matched
✅100% FCA-regulated advisers
🆓Free matching service
⚡Matched within 2 minutes
🌐Whole of market access
25k+
FCA-regulated brokers
4.9★
Average adviser rating
100%
FCA-regulated advisers
2min
Average matching time
Why Nesto
Why use a First Time Buyer Mortgage Broker?
The mortgage market has never been more complex — affordability rules have tightened, government schemes have changed, and deposit requirements vary enormously by lender. A first-time buyer specialist knows every scheme, every lender's criteria for small deposits, and exactly which lenders will approve your specific income structure. They'll also help you understand the full cost of buying — not just the mortgage, but stamp duty, legal fees, surveys and moving costs.
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Scheme expertise
Mortgage Guarantee, Shared Ownership, First Homes — your broker knows every scheme and whether it's right for you.
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Application confidence
First applications are intimidating. Your broker handles every step and prevents costly mistakes.
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5% deposit mortgages
Access to specialist lenders who accept small deposits — including government-backed options.
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From offer to completion
Your broker stays with you from mortgage decision through to the day you pick up the keys.
Every adviser matched by Nesto is independently FCA-authorised and regulated
Ready to find your perfect First Time Buyer Mortgage Broker?
"I'd been putting off finding a first-time buyer mortgage adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
Sarah M.
London · First Time Buyer Mortgage Broker customer
★★★★★
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
James K.
Manchester · First Time Buyer Mortgage Broker customer
★★★★★
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
Priya S.
Birmingham · First Time Buyer Mortgage Broker customer
Simple Process
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
1
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of first-time buyer mortgage adviser you need.
2
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated First Time Buyer Mortgage Broker from our vetted adviser panel.
3
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
What a First Time Buyer Mortgage Broker can help with
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95% LTV mortgages
Mortgages with just a 5% deposit — your broker knows exactly which lenders accept small deposits.
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Shared Ownership
Buy a share of a property and pay rent on the rest — your broker explains if this is right for you.
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New build mortgages
Specialist requirements and different processes for new build properties.
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Gifted deposits
Many first-time buyers receive deposit help from family — your broker structures this correctly.
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Self-employed FTB
Complex income doesn't disqualify you — specialist lenders understand self-employment.
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Joint mortgages
Buying with a partner, friend or family member — your broker advises on the optimal structure.
Got Questions?
Frequently asked questions about First Time Buyer Mortgage Brokers
Minimum 5% with specialist lenders, though 10% gives access to significantly better rates. Your broker will model the exact deposit amount that makes sense for your target property.
A government scheme where the government guarantees part of your mortgage, allowing lenders to offer 95% LTV mortgages to buyers with 5% deposits. Your broker will confirm current availability.
Yes. Lenders typically require 2 years' accounts or SA302 forms. Some specialist lenders accept 1 year's accounts for certain professions. Your broker will identify the right lender for your income structure.
You buy a share of a property (25–75%) and pay rent on the remainder to a housing association. You can increase your share over time. Your broker will model whether this or a standard mortgage is better for your situation.
From application to completion, typically 6–12 weeks depending on the lender and property. Getting a mortgage in principle (MIP) before you start viewing means you're ready to move quickly when you find the right property.
A conditional agreement from a lender showing how much they're willing to lend. Estate agents often require one before you make an offer. Your broker obtains your MIP promptly and presents it to sellers.
Most lenders use a multiple of your salary (4–5x) combined with an affordability assessment of your income and outgoings. Your broker will confirm the maximum you can borrow before you start searching.
Yes. A conveyancer or solicitor handles the legal aspects of buying — searches, contracts and transfer of ownership. Your broker can recommend trusted conveyancers.
Stamp Duty (currently exempt up to £425,000 for FTBs), solicitor fees (£1,000–£2,000), survey costs (£400–£1,500), mortgage arrangement fee (if applicable), and moving costs.
The original Help to Buy scheme has ended, but your broker will advise on current government-backed schemes available in your area and for your property type.
Yes — joint mortgages for first-time buyers are common. Your combined income and deposit are assessed. Your broker will advise on ownership structure (tenants in common vs joint tenants) and implications.
Fixed rate gives certainty — your payment doesn't change. Tracker rates follow the Bank of England base rate — can go up or down. Most first-time buyers prefer the certainty of a 2 or 5-year fixed rate.
Current options include the Mortgage Guarantee Scheme (5% deposit), Shared Ownership (buy a share, pay rent on the rest), and various Help to Build schemes. Availability and terms change regularly. A broker is up to date on current schemes and eligibility criteria.
From application to completion typically takes 6–12 weeks. Getting a mortgage in principle takes 24–48 hours. Full approval takes 2–4 weeks. Conveyancing adds further time. A broker manages the process to keep things moving and flag problems early.
Yes, but new builds sometimes require larger deposits (typically 10–15%) and not all lenders accept them. Some specialist lenders offer competitive new build products. A broker identifies lenders who actively want new build business and can work to developer completion deadlines.
Still have questions? Your matched adviser will answer them all — for free.
Ready to find your First Time Buyer Mortgage Broker?
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
