First Time Buyer
Our Methods
The Best Way We Solve Hardest Problems
Know Your Budget
Understand what you can comfortably afford — we’ll help you work it out.
Beyond the Rate
Rates matter, but fees and terms matter too. We compare the full picture.
Plan Ahead
Your mortgage should fit your future plans, not just today.
Get Expert Guidance
Personalised advice ensures you choose the right deal with confidence.
Begin your home-buying journey with a first-time buyer mortgage built for you.
Buying your first home is a major milestone, and having the right support can make all the difference. We are here to help you feel confident and informed from the very beginning.
From understanding your mortgage options to securing the right deal, we will guide you through each step of the process with clear advice and straightforward support. There is a lot to consider as a first-time buyer, from saving for a deposit to choosing the right property, and it can feel overwhelming at times.
If you are unsure where to start, we will help simplify the process and explain everything in plain English. Our goal is to help you find a mortgage that suits your budget, your goals, and your future plans, so you can move into your new home with confidence.
Expect a seamless, straightforward, and stress-free journey.
Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.
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FAQ's
Frequently Asked Questions
1. Am I a first-time buyer?
You’re considered a first-time buyer if you (and any co-buyer) have never owned a property before.
There are several schemes designed to help first-time buyers get on the ladder.
If you’ve inherited a property in the past but haven’t bought one yourself, you’re still classed as a first-time buyer when you make your first purchase.
2. What deposit do I need for a first-time buyer mortgage?
Most first-time buyers need a minimum deposit of 5%.
A larger deposit can give you access to better rates, as lenders see you as lower risk.
Deposits can also come from family gifts, and some lenders allow a family member to act as a guarantor if they already own a property.
3. How much can I afford for my first home?
Your borrowing amount depends on several factors, including your deposit, income, existing credit commitments, and the loan size you need.
Speaking with a mortgage adviser is the best way to understand your affordability. We’ll assess your situation, explain your options, and help you find the right mortgage to fit your budget.
4. Do I need to pay stamp duty as a first-time buyer?
Stamp Duty Land Tax (SDLT) depends on the price of the property.
First-time buyers benefit from certain allowances, but if the property exceeds specific thresholds, SDLT may still apply.
You can check the latest stamp duty thresholds on the government website.
Kingston Mortgage Services Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Kingston Mortgage Services Ltd is registered in England and Wales. Registered Office: Ashley House, 136 -138 The Broadway, Tolworth, Surrey, KT6 7JD Registration No. 05628948.
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