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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.

James Thompson, Pension Adviser
James Thompson
Pension Adviser
📍 Cambridge
Rebecca Mitchell, Mortgage Broker
Rebecca Mitchell
Mortgage Broker
📍 Manchester
Sarah Patel, Financial Adviser
Sarah Patel
Financial Adviser
📍 Edinburgh
David Keane, Life Insurance Broker
David Keane
Life Insurance Broker
📍 Bristol
Michael Hughes, Equity Release Adviser
Michael Hughes
Equity Release Adviser
📍 Cardiff
Daniel Murray, Mortgage Broker
Daniel Murray
Mortgage Broker
📍 London
Aiden O'Brien, Business Finance Broker
Aiden O’Brien
Business Finance Broker
📍 Belfast
Robert Fletcher, Savings & Investments Adviser
Robert Fletcher
Savings & Investments Adviser
📍 Birmingham
Chris Robinson, Remortgage Specialist
Chris Robinson
Remortgage Specialist
📍 Leeds
Emma Grant, Critical Illness Cover Broker
Emma Grant
Critical Illness Cover Broker
📍 Glasgow
Find My First Time Buyer Mortgage Broker — Free → See how it works ↓
✅ No credit check ⚡ Matched in minutes 🔒 FCA regulated
£10k+ schemes available to help you buy
25k+ people matched
4.9★ average rating
Happy First Time Buyer Mortgage Broker smiling — Nesto matched adviser
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
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.

🎯

Scheme expertise

Mortgage Guarantee, Shared Ownership, First Homes — your broker knows every scheme and whether it's right for you.

📋

Application confidence

First applications are intimidating. Your broker handles every step and prevents costly mistakes.

💰

5% deposit mortgages

Access to specialist lenders who accept small deposits — including government-backed options.

🔑

From offer to completion

Your broker stays with you from mortgage decision through to the day you pick up the keys.

First Time Buyer Mortgage Broker adviser helping a client — professional financial adviser
Every adviser matched by Nesto is independently FCA-authorised and regulated

Ready to find your perfect First Time Buyer Mortgage Broker?

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Real Reviews

What our customers say

★★★★★

"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
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
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
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.

It takes under 2 minutes. It costs nothing.

58,000+ people have already been matched
Start Now — It's Free →
Services

What a First Time Buyer Mortgage Broker can help with

💰

95% LTV mortgages

Mortgages with just a 5% deposit — your broker knows exactly which lenders accept small deposits.

🤝

Shared Ownership

Buy a share of a property and pay rent on the rest — your broker explains if this is right for you.

🏠

New build mortgages

Specialist requirements and different processes for new build properties.

👨‍👩‍👧

Gifted deposits

Many first-time buyers receive deposit help from family — your broker structures this correctly.

💼

Self-employed FTB

Complex income doesn't disqualify you — specialist lenders understand self-employment.

📋

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.

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📍 Find your nearest adviser

We cover every corner of the UK

Find a first-time buyer mortgage broker near you. Nesto matches you with specialist advisers across the UK:

Covering 886 locations across the UK

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📍 London 📍 Manchester 📍 Birmingham 📍 Leeds 📍 Bristol 📍 Sheffield 📍 Liverpool 📍 Edinburgh 📍 Glasgow 📍 Nottingham 📍 Leicester 📍 Coventry 📍 Reading 📍 Cardiff 📍 Belfast 📍 Exeter 📍 Oxford 📍 Cambridge 📍 Brighton
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📝 FROM THE BLOG

Related Articles

Expert guides to help you make informed decisions

Guide

How Much Deposit Do I Need for My First Home in 2026?

How much deposit do first time buyers need in 2026? We explain 5%, 10%, and 15% deposits, how your deposit affects rates, and schemes to help you save.

📖 6 min read → Guide

First Time Buyer Stamp Duty: How Much Will I Pay?

How much stamp duty do first time buyers pay in 2026? We explain the current thresholds, exemptions, and how to calculate your stamp duty bill.

📖 5 min read → Guide

How Much Can I Borrow for My First Mortgage?

How much can first time buyers borrow? We explain income multiples, affordability assessments, and what lenders really look at beyond your salary.

📖 6 min read → Guide

Shared Ownership Explained: Is It Worth It?

Is shared ownership worth it for first time buyers? We explain how it works, the real costs including rent and service charges, and the honest pros and cons.

📖 6 min read → Guide

Help to Buy Alternatives in 2026: What Schemes Are Available?

Help to Buy has ended. What schemes are available for first time buyers in 2026? We cover the Lifetime ISA, First Homes, shared ownership, and more.

📖 6 min read → Guide

First Time Buyer Mortgage: How to Get Approved

A step-by-step guide to getting approved for your first mortgage in the UK. Covers what you need, the process, and common mistakes to avoid.

📖 7 min read →
View all articles →

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