Getting on the Property Ladder
Buying your first home is a major milestone. At Visionary Finance, we guide first-time buyers through every step, from understanding mortgage types and assessing affordability to exploring government schemes like First Homes, Shared Ownership, and LISA. Our expert advisers help you secure the right mortgage with confidence and clarity.
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Personalised First-Time Buyer AdviceWe provide guidance tailored to your circumstances, helping you understand your options and choose a mortgage that fits your financial situation.
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Explore Government Schemes
From First Homes to Shared Ownership and Lifetime ISAs, we help you identify the schemes available to maximise savings and reduce deposit requirements.
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Affordability and Deposit Guidance
We assess your income, expenses, and deposit capacity to ensure you can comfortably manage monthly repayments without overextending yourself.
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Compare Mortgage Types
We explain fixed, variable, tracker, and offset mortgages so you can choose the product that aligns with your long-term goals.
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Access to Multiple Lenders
Our strong relationships with lenders allow access to competitive first-time buyer mortgage products, including those not available directly to the public.
Planning Your First Home Purchase
First-time buyers should prepare for the full costs of buying a home, including deposits, fees, and additional expenses such as stamp duty and insurance. Understanding affordability, prioritising mortgage types, and factoring in government schemes ensures a smoother journey. Working with a professional mortgage adviser helps simplify these complexities, offering clarity, speed, and confidence throughout the application process.
First Time Buyer FAQs
Get answers to the most common questions about first-time buyer mortgages. Our FAQs cover eligibility, affordability, government schemes, deposit requirements, and the role of mortgage advisers to help you make informed decisions.
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How can I apply for a first-time buyer mortgage?
You’ll need proof of identity, income, bank statements, and details of your finances. Our advisers guide you through the application, ensuring your paperwork is correct and your submission is strong. -
What schemes are available for first-time buyers?
Options include First Homes, Shared Ownership, Lifetime ISAs, and the Mortgage Guarantee Scheme. Each has eligibility criteria and benefits. We can help you identify which schemes best suit your circumstances. -
How much deposit do I need as a first-time buyer?
Deposits typically start from 5%, depending on the mortgage type and scheme eligibility. We help you calculate a deposit that is affordable while securing competitive rates. -
Which type of first-time buyer mortgage is best?
Mortgages include fixed, variable, tracker, and offset products. Choice depends on your financial goals, risk tolerance, and long-term plans. Our advisers explain each to help you select the best fit. -
Do I qualify as a first-time buyer?
You must not own any property or land in the UK or abroad. Other factors include age, residency, and affordability. Our team assesses eligibility and guides you toward suitable mortgage products. -
Why should I use a first-time buyer mortgage broker?
Brokers offer access to multiple lenders, expert advice, and tailored solutions. We simplify complex mortgage terms, identify the best products, and improve your chances of a successful application.
Mortgage Reviews
“Our adviser and administrator at Visionary Finance have been steward advisers throughout the lending acquisition process. The products are dictated by the lenders and the professional support from VF is critical to ensure an objective journey. Due diligence is tedious with international financing clients and attention to detail is important to manage, patiently and professionally.”
“In a turbulent year, our adviser’s professionalism, level of communication, care and sensitivity, and sheer tenacity, helped us secure a mortgage – even as we navigated the challenges of purchasing a UK apartment across three countries and during a global pandemic. When things go smoothly, that’s great, but it’s when things go wrong that you need a good person and a professional on your side. We cannot thank him and the team enough.”
Ali Cipriano
“I have been very impressed by the supportive service given to me by the team at Visionary Finance. My mortgage adviser didn’t tire even though our application for a mortgage was a challenge as one of us is a non-resident buyer which adds complication to the arrangement process. There were a number of rejections by some lenders but Visionary Finance kept going until success was reached. Thanks for your great efforts.”
Paul German
“My last 2 brokers were unable to sort out my mortgage, I felt helpless until I was introduced to Visionary Finance by the developer. I’m really impressed by their service, they have handled my case in a professional and efficient manner. They are always responsive and explained every step to me clearly. They are really committed and hardworking to help me with securing a mortgage offer, definitely recommended their great service.”
First-Time Buyer Mortgage Resources
Explore our helpful guides and resources to learn more about the mortgage process, compare different products, and make confident, informed decisions when buying or investing in property.
