Our panel of carefully selected Specialist Mortgage Brokers are always here to support and assist you when needed, offering a whole-of-market service and access to exclusive offers for our clients.
SynergiseUK is not a broker, we connect you to trusted specialists who can find the right mortgage for your first home.
What are First Time Buyer Mortgages?
First Time Buyer Mortgages are designed for individuals who are new to the housing market and have never owned a property before.
Definitions of a first time buyer can vary, for example if you’ve inherited a property or if a family member has purchased a property on your behalf.
Some lenders offer incentives to first-time buyers, including:
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Cashback schemes
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High Loan to Value (LTV) mortgages (95% or 100% mortgages)
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Reduced deposit options (as low as 5%)
All mortgages are subject to strict affordability and eligibility criteria.
First Time Buyer Mortgage Products
Our Specialist Mortgage Brokers can assist with a variety of products, including:
- Bad Credit or Low Score Mortgage
- Guarantor Mortgages
- Help to Buy
- Right to Buy
- Shared Ownership
- Small Deposit Mortgages
- And more..
Use our Mortgage Calculator to get an estimate of your repayments.
Click on any of the products above to find out more and see which options suit you best.
Why Choose SynergiseUK for First Time Buyer Mortgages?
Access to Specialist Brokers
We connect you to brokers experienced in helping first-time buyers navigate the housing market.
Whole of Market Options
Compare lenders offering competitive rates, incentives, and high LTV mortgages.
Tailored Advice
Brokers assess your financial situation, employment status, and future plans to recommend the best mortgage.
Support for Low Deposits and Bad Credit
Guidance for first-time buyers with small deposits or credit challenges.
Clear Guidance Through the Process
Brokers help with affordability checks, documentation, and lender requirements from start to finish.
Secure Your First Home Today
Get expert guidance on the right mortgage for your first home. SynergiseUK connects you to specialist First Time Buyer Mortgage brokers to find the best deal and support you through the process.
Frequently asked Q&A's
Anyone who has never owned a property before, even if previously gifted or inherited a property under certain circumstances.
Yes — many lenders offer mortgages with deposits as low as 5%, sometimes with incentives.
Yes — specialist brokers can advise on mortgages for applicants with low credit scores or past credit issues.
A government scheme designed to assist first-time buyers with smaller deposits and shared equity arrangements.
Yes — a family member or trusted party can act as a guarantor to increase your mortgage eligibility.
A scheme allowing you to buy a portion of a property and pay rent on the remaining share.
Some lenders offer cashback or additional benefits to first-time buyers to encourage mortgage uptake.
Use our Mortgage Calculator or consult a specialist broker for a personalised assessment.
No — SynergiseUK connects you with specialist brokers who provide tailored advice and access to the best deals.
From application to completion, first-time buyer mortgages usually take 4–8 weeks, depending on lender and valuation.
No. SynergiseUK does not provide mortgage advice or lending decisions.
We act solely as a referral platform, introducing potential customers to authorised mortgage advisers or lenders.
Any advice, affordability assessment, credit checks, and mortgage recommendations will be provided directly by the authorised provider, who is responsible for ensuring the product is suitable for your circumstances and compliant with Financial Conduct Authority regulations.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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