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 to find the right deal for you, and you'll never pay us a broker fee.

No Broker Fees
100+ Lenders
FCA Regulated
Call Free: 0800 912 4183

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)

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.

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)

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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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.

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.

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.

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Before you go...

Book a free 15-minute call with one of our advisers. We'll tell you exactly what you could borrow, with no obligation and no fees.