Expert Mortgage Advice and Guidance from Just Mortgages

Buying your first home is one of the most exciting and significant milestones in life. But it can also be confusing, especially if you’re not sure where to start. At Just Mortgages, we’re proud to offer specialist mortgage advice for first-time buyers across the UK, guiding you from your first questions to getting the keys to your new home.

Whether you're wondering how much you can borrow, what deposit you’ll need, or which government mortgage schemes might apply to you, we’re here to simplify the process and support you every step of the way.

Why Choose Just Mortgages?

We specialise in UK first-time buyer mortgages, offering a personal service tailored to your individual needs:

• Access to a panel of trusted UK mortgage lenders
• Access to some exclusive deals
• Dedicated mortgage adviser to guide you from start to finish
• Expert help with credit checks, budgeting, and paperwork
• Step-by-step support throughout the mortgage application process
• Advice on government-backed schemes like Help to Buy (Wales and Scotland only), First Homes (England only), and Shared Ownership

Whether you're buying in London, Leeds, Glasgow or anywhere else in the UK, Just Mortgages is here to help you get moving.

First-Time Buyer Mortgage Advice: What You Need to Know

How Much Can You Borrow as a First-Time Buyer?

UK lenders typically offer between 4 and 4.5 times your income, though this can vary depending on your credit profile, debts, and monthly outgoings. Our advisers will help you calculate your affordability and find a mortgage that fits your financial situation.

Use our mortgage calculator to get a quick estimate.

How Much Deposit Do You Need?

Just Mortgages has access to 100% mortgages which means that no deposit is required.  Other first-time buyer mortgages in the UK can require at least a 5% deposit. A larger deposit, say 10% or more, may unlock access to better interest rates and lower repayments. We’ll help you explore both high and low deposit options and recommend lenders who can support your goals.

Government Schemes for First-Time Buyers

There are several UK schemes designed to make homeownership more accessible. We can explain and help you apply for:

• First Homes Scheme – Save 30–50% on selected new-build properties (only available in England)
• Shared Ownership – Buy a share of your home and pay rent on the rest
• Help to Buy (available in Wales & Scotland) – Get an equity loan to top up your deposit

Our expert mortgage advisers will tell you what you're eligible for and support your application every step of the way.

Find out more about shared ownership.

Is it possible to get a mortgage with a Low Credit Score?

Yes! Although high street banks may say no, many specialist lenders offer flexible criteria for those with a low credit score. Whether you are a first-time buyer, looking to move home, or wanting to remortgage, we can help secure a mortgage that fits your financial circumstances.

What Other Costs Should You Plan For?

Aside from your deposit, you’ll also need to budget for:

• Solicitor and conveyancing fees
• Valuation and survey costs
• Mortgage arrangement or booking fees
• Stamp Duty (first-time buyers in England pay £0 on homes up to £425,000, your conveyancer will confirm your stamp duty costs
• Removal/moving costs

We’ll help you understand these costs upfront so there are no surprises later.

Choosing the right Legal Services

Your solicitor carries out the conveyancing* which is the legal process of handing over a property from one person to another. We understand that instructing the right professionals to assist you in the purchase of your home is essential. Your Mortgage Adviser can put you in touch with a recommended solicitor devoted to working solely for you. This enables us to take full control of the purchasing process and ensure that you are guaranteed the best possible service for your move.

They also have a duty to protect your interests so they will investigate the legal aspects of the property. Spicerhaart Legal Panel of solicitors** charge a fixed professional fee which is based on the agreed sale price on a No Move No Fee basis, meaning you will have nothing to worry about if something crops up at the last minute. It is highly beneficial to choose a solicitor in advance in order to budget precisely what you are going to spend from the outset.

* The conveyancing services promoted here are not part of the Openwork proposition and are offered in our own right. Conveyancing is not regulated by the Financial Conduct Authority.

** Spicerhaart Legal Services and Just Mortgages are part of the Spicerhaart family. Openwork accepts no responsibility for the Spicerhaart Legal Services aspect of our business promoted here.

Speak to a UK Mortgage Adviser Today

Our Just Mortgages advisers are friendly, experienced, and focused solely on helping first-time buyers like you. We understand the UK mortgage landscape inside-out, and we’ll work hard to make sure you feel informed, supported, and ready for every stage of your journey.

Ready to Start Your Homebuying Journey?

We make it easy to take the first step:

Book to speak to an adviser
Use our online mortgage calculator to check your affordability