First-time buyer mortgages.
Buying your first home involves more than finding a mortgage rate. More Financial.
Advice that works around your plans.
Buying your first home involves more than finding a mortgage rate. Your deposit, income, credit commitments and the type of property can all affect what is available. Our advisers can help you understand the options before you make an offer.
More Financial is based in Peterborough and supports customers across the UK. Learn more about our mortgage brokers in Peterborough.
Speak to our team ↗Check your deposit and likely borrowing range
Understand lender criteria and Agreement in Principle options
Prepare your paperwork and plan the application
Good to know.
How much deposit do I need?
The amount depends on the property, lender and scheme. Some products accept smaller deposits, but lending criteria and pricing vary.
When should I speak to a broker?
Ideally before you begin viewing seriously, so you understand a realistic budget and what information lenders may require.
Build a budget before choosing a deposit target
Start with your savings, essential spending and other commitments. Keep legal fees, survey costs, moving costs and an emergency buffer separate from the deposit. Smaller-deposit products may have different rates and conditions; the smallest possible deposit is not automatically the right choice.
Understand the step between an initial check and a mortgage offer
An agreement in principle gives an early indication subject to the lender’s checks. The full application still needs evidence and property acceptance. Avoid treating an online income multiple or a mortgage calculator as a lending decision.
Further reading: MoneyHelper: first-time home buyer guide ↗. Source checked 24 October 2026. Guidance is general; current lender criteria and your circumstances determine the options.
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