Call us: 0345 305 2540
Mortgages for first time buyers

Mortgages for first time buyers

Buying your first home is one of the biggest steps you’ll take in life. Whilst it’s incredibly exciting, it can also be pretty scary. Taking your first step onto the property ladder can feel quite overwhelming and with all the banking jargon and endless mortgage options available, how do you decide what’s best for you?

Luckily, with the right help, applying for your first mortgage can be pretty straightforward. And there are a range of deals available for first-time buyers.

Whether you’ve got a modest deposit or you’ve been squirreling away for a while, we can find you the best mortgage deals on the market and guide you through the entire process; from your first credit check, to the moment you’re handed the keys to your new home.

Arrange a call back

How much can I borrow?

How much will it cost?


Mortgage Calculators

Our online mortgage calculators have been designed to help you with the most common mortgage questions such as ‘how much can I borrow?’ and ‘how much will it cost?’

To get a more accurate idea we recommend that you speak to one of our expert mortgage advisers.

Message an expert

The mortgage process

We make the mortgage process for first time buyers much simpler. We know the best mortgage products on the market for first-time buyers.

We sort and filter the best deals based on your criteria to find the right lender and product for you.


Choosing your property

You may have a certain set of criteria such as a good school nearby, local transport links, and shops, restaurants and amenities close by.

You will need to provide a deposit and it’s worth taking into consideration that better mortgage deals can be obtained with larger deposits. Although the deposit does not need to be paid until the exchange of contracts, you will need to prove that you have these funds at the outset, to show the lender you are not borrowing the money from elsewhere and therefore increasing your monthly outgoings.

It is not just the deposit that you need to take into account; you should bear in mind the other costs associated with buying a property. These include valuation costs, solicitor’s fees and potentially stamp duty.

Deposits: you need at least 5% of the purchase price. For example, for a £250,000 property you would need £12,500 for a 5% deposit.


Choosing a mortgage

Taking you through the whole process from start to finish, TaylorMade will manage your entire application. Our expert advisers do extensive research to find you the very best mortgage deal on the market. We’ll choose only the very best deals and present you with a few different options to consider.

Give us a call to get started 0870 890 9877

Once you’ve chosen your mortgage, you make an initial application with the lender who will then invite you for an interview. This is when the process of credit checks and the review of your documentation, such as bank statements and wage slips, will begin. If the lender is happy with your credit score it’s time to survey your property.


Making an offer

When you’ve chosen your property and have been accepted for a mortgage, you can then make a formal offer to the vendor with the price you are willing to pay (usually, this is done via an estate agent). If the vendor accepts your offer you can then move onto the next stage.

Average time: 2-4 weeks once all the required information has been submitted.


Handling the paperwork

Once your offer has been accepted, it’s time to see your TaylorMade adviser to talk specifically about the nitty gritty, such as mortgage repayment options and the terms and conditions of your loan.

This can be a pretty detailed process with lots of information going back and forth but at TaylorMade, we aim to make the whole experience as straightforward and easy to understand as possible. We explain everything without resorting to confusing industry jargon so that by the time you’ve signed all your paperwork, you’re stress free and excited to step into your first home.

Get in touch


Why choose

We compare over 70 lenders

We compare over 70 lenders to ensure you get the very best mortgage deal suited to your lifestyle. We’ve been around for a long time and we know the mortgage providers inside out.


We offer a personal concierge service so you will meet us face to face. Our expert mortgage advisors will provide you with all the information you need to make an informed decision.

There are no hidden fees

You will never pay more than 1.95% of the mortgage balance. Our average fee is 1% and the minimum fee you will pay is £1295.

We make it quick and easy

We can get you a mortgage in as little as two weeks. We’ll help you fill out all of the forms and will never put you forward for anything you are not likely to be accepted for.

Proud of
our ratings

Taylor Made Testimonials

Don't just take our word for it

We have a wealth of happy customers who can’t help but shout about our excellent services.

Read more testimonials

422 Reviews
4.9 Rating


Thankyou Jack, much appreciation sent to you for your hard work. We’re very impressed with the speed and service of TaylorMade and won’t hesitate to recommend. Kindest regards, Megan Boyd, Lincolnshire – 15/04/24



Thank you Jack for all your help in making this happen. It’s hugely appreciated and makes a huge difference to us. Warmest wishes, Brek & Luke Taylor-Tamblyn, Oxfordshire – 09/04/24


Talk to us

If you're unsure and need some advice just give us a call, our expert team of advisers are available to help you choose the mortgage that is right for you.

0345 305 2540

By clicking on the above link you will be leaving the regulated site of TaylorMade Finance Ltd. TaylorMade Finance Ltd is not responsible for the accuracy of the information contained within the linked site.

TaylorMade Finance Ltd is authorised and regulated by the Financial Conduct Authority.


In the event that you wish to complain, you can contact us by email, telephone or letter.

Our address for this is:
Complaints Officer, TaylorMade Finance Ltd, 4 Church Road, Urmston, Manchester, M41 9BU. Our email address is and our telephone number is 0161 776 1089. We will then investigate the issues raised and inform you of our findings. Should you be unhappy with the resolution to your complaint you may contact the Financial Ombudsman Service, who can be contacted at the following address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Phone: 0800 0234 567

Your mortgage will be secured against your property.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Our fee for this service is 1.95% of the mortgage balance (minimum £1,295 to a maximum of £2,995 although reduced to maximum £1,995 without debt consolidation). Typically this will be £1,995.