First Time Buyer Mortgage Options | Well Financial
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First Time Buyer
Mortgage Options
Expert Advice. Zero Fees.

Free, expert mortgage advice for first-time buyers. We search 100+ lenders, then handle the application, the paperwork and the chasing for you. And you'll never pay us a broker fee.

No Broker Fees
100+ Lenders
FCA Regulated
Call Free: 0800 912 4183
Not ready to talk? Get the free first-time buyer’s guide →

See what you could borrow

Two quick steps, one free callback today.

When are you hoping to buy?

★ 5.0 from 253 reviews  ·  FCA regulated  ·  £0 broker fees, ever

Why is it free? The lender pays us when your mortgage completes. You never pay a penny, and we do the paperwork.

By submitting, you agree Well Financial may contact you about your enquiry by phone, SMS and email. Opt out at any time. Privacy policy.

First-time buyers pay zero stamp duty on properties up to £300,000. Check what you could afford below.

See What You Could Borrow

Quick Affordability Check

Move the sliders to get an instant estimate. No personal details needed.

£35,000
£15k£150k
£15,000
£5k£200k
You could borrow approximately
£157,500
Property budget: £172,500
Estimated monthly payment: £842
Stamp duty: £0 (first-time buyer relief)

Get your real figure, free

These sliders are an estimate. Add your name and mobile and an FCA-regulated adviser will confirm your true borrowing power — often the same day.

★ 5.0 from 253 reviews  ·  FCA regulated  ·  £0 broker fees, ever

Why is it free? The lender pays us when your mortgage completes. You never pay a penny, and we do the paperwork.

By submitting, you agree Well Financial may contact you about your enquiry by phone, SMS and email. Opt out at any time. Privacy policy.

Illustration only. Based on 4.5x income multiplier, 5.5% interest rate, 30-year term. Your actual deal may differ. Not financial advice.

You could borrow more than this

Joint income Bonuses & overtime Up to 5.5x with specialist lenders Commission & freelance income Shared Ownership options

This calculator is a conservative estimate. Call us free or book a consultation to get your real figure.

Help You Might Not Know About

2026 First-Time Buyer Schemes

Most buyers qualify for at least one of these. Your adviser checks all of them on your free call.

5% depositLow-Deposit MortgagesMost major lenders now lend at 95%. On a £235k home that's £11,750 down, not £47,000.
+25% bonusLifetime ISASave up to £4,000 a year towards your first home and the government adds 25% on top.
30–50% offFirst HomesDiscounted new-builds for local first-time buyers and key workers, where available.
From 10%Shared OwnershipBuy a share, rent the rest, and increase your share when you're ready.
£0 to £300kStamp Duty ReliefFirst-time buyers pay no stamp duty up to £300,000, reduced rates to £500,000.

Free For Every Enquirer

The First-Time Buyer’s Guide

Getting Started, 2026 edition: written by our advisers. Nine chapters and five working checklists, from first savings pot to completion day.

Getting Started: the complete guide and workbook for first-time buyers, 2026 edition
  • Deposits & budgeting that actually works
  • Every 2026 scheme, explained simply
  • Fixed vs tracker vs offset, minus the jargon
  • Viewing, offer & completion-day checklists

Opens instantly, right here. No spam, no fees.

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How It Works

From First Call to Getting Your Keys

Three straightforward steps. We handle the complexity so you don't have to.

1

Free Discovery Call

A relaxed, no-obligation chat to understand your situation, answer your questions, and explain exactly how we can help. Takes about 15 minutes.

2

We Find Your Mortgage

We search thousands of products across 100+ lenders to find the most competitive deal for your circumstances. Rates, fees, and terms all compared.

3

Application to Completion

We manage the entire application, keep you updated at every stage via our online portal, and coordinate with all parties right through to getting your keys.

Got questions? Speak to an adviser now - 0800 912 4183 (free call)

Whole-of-Market Access

100+ UK Lenders. One Adviser.

We have direct access to over 100 mortgage lenders: high-street banks, building societies and specialists you won't find on comparison sites. We search them all to find the right deal for you.

HalifaxHalifax
HSBCHSBC
BarclaysBarclays
SantanderSantander
NatWestNatWest
NationwideNationwide
TSBTSB
Virgin MoneyVirgin Money
Coventry Building SocietyCoventry BS
Skipton Building SocietySkipton BS
Leeds Building SocietyLeeds BS
Metro BankMetro Bank
AvivaAviva
The Co-operative BankCo-op Bank
Legal & GeneralLegal & General
Accord MortgagesAccord

…plus 85+ more, including specialist and private lenders.

View our full lender panel▾
Accord Mortgages Affirmative Finance Afin Bank AIB Aldermore April Mortgages Atom Bank Aviva Bank of Ireland Barclays Bath Building Society Beverley Building Society Bluestone Mortgages BM Solutions Buckinghamshire Building Society Cambridge Building Society Canada Life Central Trust CHL Mortgages Chorley Building Society Clydesdale Coutts Coventry Building Society Cynergy Bank Danske Bank Darlington Building Society Dudley Building Society Earl Shilton Building Society Ecology Building Society Fleet Mortgages Foundation Home Loans Furness Building Society Gatehouse Bank Gen H Greenfield Mortgages Halifax Hanley Economic Building Society Harpenden Building Society Hinckley & Rugby Building Society Hodge HSBC Interbay Investec Private Bank Just Kensington Mortgages Kent Reliance Keystone Property Finance L&G Home Finance Landbay Leeds Building Society Leek Building Society LendCo LendInvest Mortgages LiveMore Loughborough Building Society LV= Mansfield Building Society Market Harborough Building Society Marsden Building Society Melton Building Society Metro Bank ModaMortgages Molo More2life MT Finance Nationwide NatWest NatWest International Newbury Building Society Newcastle Building Society Norton Home Loans Nottingham Building Society Octane Capital Paragon Mortgages Penrith Building Society Pepper Money Perenna Bank Precise Mortgages Principality Building Society Progressive Building Society Pure Retirement Quantum Mortgages RAW Capital Partners RELY Roma Finance Saffron Building Society Santander Scottish Building Society Scottish Widows Selina Finance Skipton Building Society State Bank of India StrideUp Suffolk Building Society Swansea Building Society Tandem Specialist Mortgages Teachers Building Society The Co-operative Bank The Family Building Society The Mortgage Lender The Mortgage Works The Stafford Building Society The Tipton Building Society Together TSB United Trust Bank Vernon Building Society Vida Homeloans Virgin Money West Brom West One Zephyr Homeloans

Meet the Team

Real People. Real Advice.

When you call, you'll speak to one of our mortgage advisers. No call centres, no bots. Just friendly, expert help from start to finish.

Well Financial mortgage adviser
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Well Financial mortgage adviser
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Well Financial mortgage adviser
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Well Financial mortgage adviser
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Well Financial mortgage adviser
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Why First-Time Buyers Choose Us

Expert Support, Zero Broker Fees

We specialise in helping people buy their first home. It's what we do best.

Completely Free for You

First-time buyers never pay broker fees. We're paid by the lender, not by you, so our advice costs you nothing.

Access to 100+ Lenders

We search deals you can't find on comparison sites, including specialist lenders and private banks most people don't know about.

One Dedicated Adviser

You'll work with the same person from your first call to collecting your keys. No call centres, no being passed around.

Track Everything Online

Upload documents, see your application progress, and stay informed 24/7 through our secure client portal.

FCA Regulated

We're an appointed representative of The Right Mortgage Limited, authorised and regulated by the Financial Conduct Authority.

Complex Incomes Welcome

Self-employed, contract work, bonuses, overtime. We know how to present your income to maximise what you can borrow.

Testimonials

5.0
★★★★★ 253 verified reviews on Google & Trustpilot
★★★★★

Working with Jake was a great experience. From the very beginning he was clear in his communication, professional at all times and incredibly easy to talk to. Highly recommended for any first-time buyer.

Doja Atanda  ·  Google
★★★★★

My experience with Dan and Well Financial has been excellent. Dan is professional, knowledgeable and genuinely wanted to help me achieve the best possible outcome. Couldn't recommend enough.

Chris Lord  ·  Google
★★★★★

Dan was absolutely amazing. I am a first-time buyer so naturally had a lot of questions and uncertainty, and Dan guided us through the process from start to finish with patience and expertise.

Anya Walker  ·  Google

Ready to get started? Call free on 0800 912 4183 - no obligation, no fees

Common Questions

First-Time Buyer Mortgage FAQ

Quick answers to the questions first-time buyers ask most.

A broker works for you, not a bank. Your bank can only offer its own products; we compare over 100 lenders, including specialists that suit self-employed income, new jobs and 5% deposits, then handle the application, paperwork and chasing for you. At Well Financial, first-time buyers never pay a broker fee: the lender pays us when your mortgage completes.
Quite a lot: 5% deposit mortgages, the Lifetime ISA (a 25% government bonus on your savings), the First Homes discount scheme, Shared Ownership, and stamp duty relief up to £300,000. Which ones you qualify for depends on your income, location and situation. Your adviser checks all of them on your free call.
Most lenders offer 4 to 4.5 times your annual income, though some specialist lenders go higher. Your exact figure depends on your income, deposit, and outgoings. Get in touch and we'll give you a personalised borrowing figure within 24 hours.
You can get a mortgage with as little as 5% deposit. A larger deposit (10 to 15%) will unlock better rates. We search 100+ lenders so we can find options that work with whatever deposit you have.
No. Our first-time buyer service is 100% fee-free. You'll never pay us a broker fee at any stage, from your first question right through to getting your keys. We're paid by the lender, not by you.
From initial application to mortgage offer typically takes 2 to 4 weeks, depending on the lender. The full process from first call to completion usually takes 8 to 12 weeks. Your adviser will give you realistic timelines and keep you updated throughout.
Typically you'll need: 3 months of payslips, 3 months of bank statements, proof of ID (passport or driving licence), and proof of your deposit. Don't worry if you're not sure. Your adviser will tell you exactly what's needed for your situation.
We work with first-time buyers in all situations, including smaller deposits, student loans, or past credit issues. Our access to 100+ lenders means we can often find solutions where high street banks can't.

Get Started

Ready to Take the First Step?

Book a free, no-obligation consultation. We'll answer your questions and show you what's possible.

Book your free consultation

No obligation, no fees, no credit check just to talk.

When are you hoping to buy?

★ 5.0 from 253 reviews  ·  FCA regulated  ·  £0 broker fees, ever

Why is it free? The lender pays us when your mortgage completes. You never pay a penny, and we do the paperwork.

By submitting, you agree Well Financial may contact you about your enquiry by phone, SMS and email. Opt out at any time. Privacy policy.

Prefer to talk? Call free on 0800 912 4183

Well Financial Limited is an Appointed Representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 14517142. Registered Address: Unit 15E Field House, Lancaster Way, Business Park Airfield, Earls Colne, Colchester CO6 2NS. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Privacy notice: how we use your details

Who we are. Well Financial Limited, an Appointed Representative of The Right Mortgage Limited, registered in England and Wales no. 14517142, Unit 15E Field House, Lancaster Way, Business Park Airfield, Earls Colne, Colchester CO6 2NS. Contact: [email protected].

What we collect and why. When you submit a form we collect your name, contact details and any figures you choose to enter. We use them to respond to your enquiry and provide the mortgage advice you have asked for, and to send you the first-time buyer’s guide where you request it. We may also tell you about similar services of ours; you can opt out of this at any time, in any message or by contacting us.

Sharing. We never sell your details. They are shared only with our network, The Right Mortgage Limited, and with providers who process data on our behalf to run our systems.

Retention. We keep your details only as long as needed for your enquiry and to meet our regulatory record-keeping obligations.

Your rights. You can ask for a copy of your data, have it corrected or deleted, or object to our use of it, by contacting [email protected]. You can also complain to the Information Commissioner’s Office at ico.org.uk.

Read the full Well Financial privacy policy.

© 2025 WellFinancial.co.uk. All rights reserved.

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Before you go, take the guide

The free first-time buyer’s guide & workbook: deposits, every 2026 scheme, and the checklists. No call, no fees.

By submitting, you agree Well Financial may contact you about your enquiry by phone, SMS and email. Opt out at any time. Privacy policy.