First-Time Buyer Mortgages

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First-Time Buyer Mortgages

Expert Guidance from First Step to Front Door

Buying your first home is exciting—but it can also feel overwhelming. At Alphakey Mortgages, we’re here to simplify the process. Whether you’re just starting to save for a deposit or ready to make an offer, our experienced mortgage advisers will guide you every step of the way.

We offer whole-of-market mortgage advice, meaning we’re not tied to any lender. Instead, we search the entire UK mortgage market to find the most suitable deal for your individual situation. From deposit advice and affordability checks to application and completion, we’re with you throughout your homebuying journey.

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First-Time Buyer Mortgage FAQs

How much deposit do I need as a first-time buyer?

Most lenders require at least a 5% deposit, but the more you can save, the better your interest rates will be. We’ll help you calculate what’s realistic and what’s best.

Can I get a mortgage with a low income or limited credit history?

Possibly. We work with lenders who are open to first-time buyers with smaller deposits, lower incomes, or thin credit files—especially with the right supporting documents.

How much can I borrow as a first-time buyer?

This depends on your income, outgoings, credit score, and deposit. We’ll carry out an affordability assessment and let you know your borrowing potential.

What schemes are available for first-time buyers?

We can advise on schemes like Shared Ownership, Help to Buy (where still available), Deposit Unlock, First Homes, and more—plus how to use a Lifetime ISA effectively.

How long does the process take?

Once your application is submitted, it can take a few weeks to get a mortgage offer. We’ll help you prepare everything needed to avoid delays.

Why Choose Us for Your First Mortgage?

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Whole-of-Market Access

We compare products from across the UK mortgage market to find the right deal for your income, deposit size, and long-term goals.

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Clear, Jargon-Free Advice

We break down the process in simple terms—so you understand your options and feel confident from start to finish.

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Support with Government Schemes

Need help getting on the ladder? We can guide you through Shared Ownership, Lifetime ISAs, First Homes, and other first-time buyer schemes.

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Fast, Friendly Service from Experts

Our experienced team will handle your application and keep things moving—so you don’t miss out on your dream home.

Our Mortgage, Lending & Protection Services

Residential Mortgages

Access to residential mortgages from all UK lenders.

Residential Mortgages

Buy-To-Let Mortgages

Buy-to-let, limited company, HMO, and holiday let mortgages.

Buy-to-Let Mortgages

Specialist Lending

We offer flexible lending solutions for unique situations

Specialist Lending

Mortgage Protection

Cover your mortgage if life takes an unexpected turn.

Mortgage Protection

Life Insurance

Protect your family’s future, no matter what.

Life Insurance

Insurance & Protection

Personalised cover for life, income, health, home, and more.

Protection Services

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.

First-Time Buyer Mortgages