First-Time Buyer Mortgage

Make Your First Step onto the Property Ladder.

Buying your first home can be both exciting and overwhelming. Matwill Capital specializes in helping first-time buyers find the most suitable mortgage deals and guide you every step of the way.

Benefits

  • Low-deposit mortgage options available

  • Special products designed for first-time buyers

  • Access to government-backed schemes (e.g., Help to Buy)

  • Step-by-step support throughout the purchase process

What Is a First-Time Buyer Mortgage?

A first-time buyer mortgage is a residential mortgage product specifically tailored for individuals purchasing their first home. These mortgages often come with flexible criteria, government support options, and competitive rates designed to help you take that all-important first step.

Common Features Include:

  • Lower deposit options (as low as 5%)

  • Access to government schemes (e.g. Shared Ownership, LISA, 5% Deposit Guarantee)

  • Fixed, tracker, or discounted variable rate choices

  • Special incentives from some lenders (e.g. cashback, free valuations)

As a first-time buyer, you’ll go through affordability checks and credit reviews — and working with the right adviser ensures you’re prepared at every step.

Why It Matters

Buying your first home is exciting — but also overwhelming. From saving a deposit to passing affordability checks, understanding the process, fees, and loan types can be confusing without support.

Working with an experienced mortgage adviser helps you:

  • Understand how much you can borrow — and what you can afford

  • Compare mortgage types and choose a deal that suits your income and goals

  • Access lenders that specialise in low-deposit or non-standard cases

  • Navigate legal, valuation, and offer timelines with less stress

  • Avoid common mistakes that cost time and money

You only buy your first home once — get it right the first time.

Who Is This For?

Our First-Time Buyer Mortgage service is ideal for:

  • UK residents buying their first property

  • Young professionals or couples with gifted deposits

  • Applicants using government support (LISA, Help to Buy, Shared Ownership)

  • Self-employed first-time buyers with non-traditional income

  • Foreign nationals or expats returning to the UK

  • Anyone feeling overwhelmed by the mortgage process

Even if you haven’t found a property yet, speaking to us early helps you know what’s realistic — and be ready when the time comes.

How Does the Process Work?

At Matwill Capital, we support first-time buyers through every milestone:

  1. Initial Consultation & AIP
    We assess your income, credit profile, deposit, and goals — and help secure an Agreement in Principle so you can house-hunt with confidence.

  2. Mortgage Strategy
    We explain fixed vs tracker rates, deposit options, term lengths, and match you with the most suitable lenders.

  3. Application Preparation
    We guide you in gathering documents and prepare a strong, well-positioned application.

  4. Submission & Progress Tracking
    We liaise with lenders and underwriters, answer any queries, and support you through valuation and legal steps.

  5. Post-Offer Guidance
    Once your offer is issued, we remain available for solicitor coordination, completion tracking, and future remortgaging advice.

Client Success Story

A First-Time Buyer with 5% Deposit and No Parental Help

Sophie, a 27-year-old marketing assistant in Bristol, had saved just enough for a 5% deposit but was struggling to get accepted by major lenders due to her short credit history.

Matwill Capital helped her:

  • Secure an AIP with a flexible building society

  • Choose a 35-year fixed-rate product with affordable monthly payments

  • Understand her Help-to-Buy ISA bonus and timelines

  • Complete on a £260,000 flat with confidence

“I’d been rejected twice before — I thought I’d have to give up. Matwill broke everything down and showed me exactly what was possible.”
— Sophie L., Bristol

Frequently Asked Questions

How much deposit do I need as a first-time buyer?
Most lenders require at least 5%, but better rates are available with 10% or more. We’ll help you plan around your savings.

What fees should I expect?
Typical costs include product fees, valuation, solicitor costs, and stamp duty (if applicable). Some lenders waive or refund certain fees.

Do I qualify for any government schemes?
You might — such as the Lifetime ISA (LISA), Shared Ownership, or Mortgage Guarantee Scheme. We’ll help you check eligibility.

Can I get a mortgage with a gifted deposit?
Yes — many first-time buyers rely on family help. You’ll need a signed gift letter and proof of origin of funds.

What if I have a low credit score?
Some lenders accept thin or imperfect credit files. We work with specialist lenders and can guide you on improving your file if needed.

Why Choose Matwill Capital?

  • Friendly, patient support for first-time buyers

  • Clear explanations — no jargon, no pressure

  • Whole-of-market access to lenders who welcome first-time applicants

  • Support with AIP, applications, documents, and solicitors

  • Mandarin-speaking adviser available for bilingual clients

  • FCA-authorised advice, tailored to your real-life goals

Ready to Fund Your Project?

Take Your First Step With Confidence.
The keys to your first home are closer than you think.

Let’s make the mortgage process smooth, clear, and successful.