Buying your first home starts here
Find out how much you could borrow, what your monthly payments may look like, and speak to a friendly adviser about your options.
- Support For First-Time Buyers
- Access To 100+ Lenders
- Friendly, Human Support
As featured on
As seen across the UK's most trusted media
Our advisers are regularly invited to share mortgage expertise with millions of viewers, listeners and readers nationwide.
Sky News · BBC News · This Morning · HM Treasury · 10 Downing Street · Jeremy Vine
How much could you borrow?
Use our simple mortgage calculator to get an estimated borrowing range and monthly repayments. Takes less than a minute.
- Personalised borrowing estimate
- Estimated monthly repayments
- No credit check required
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Want a more accurate figure?
Speak to a friendly adviser about your options and explore what may be possible.
Speak to The Mortgage Mum team
Tell us a little about yourself and one of our friendly first-time buyer advisers will be in touch — no pressure, no obligation.
- Clear, jargon-free advice
- Real advisers, real conversations
- We'll call when it suits you
Real first homes, real stories
"We had no idea where to start as first-time buyers. The team made it so easy and walked us through every step."
"Honestly didn't think we'd be able to buy this year. Our adviser found us a deal that fit our budget perfectly."
"Friendly, patient and clear. Got our Agreement in Principle sorted within days."
First-time buyer questions
How much deposit do I need?+
Most lenders require at least a 5% deposit, although a larger deposit usually unlocks better rates and more options. Some schemes may help if your deposit is smaller.
Does this affect my credit score?+
An initial chat with an adviser does not affect your credit score. A formal application or some Agreement in Principle checks may leave a footprint, which your adviser will explain in advance.
What is an Agreement in Principle?+
An Agreement in Principle (AIP) is a lender's indication of how much they may be willing to lend you, based on a soft credit check and your financial details. It's helpful when making offers on a property.
Can I get a mortgage if I'm self-employed?+
Yes. Many lenders accept self-employed applicants, although the documents required and how income is assessed can vary. We help you find lenders that suit your situation.
Ready to explore your options?
See how much you could borrow and take the first step towards your first home.
Check My Borrowing Power