4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Buying your first home is a huge milestone, and getting your mortgage right from the start helps you step onto the property ladder with confidence.
Rated 4.97 out of 5 from 2,400+ reviews
Specialist first-time buyer mortgage advice can help you set a realistic budget, understand affordability and credit requirements, choose the the most comfortable deposit and Loan-to-Value (LTV) ratio, and account for the full cost of buying a home. Securing a Decision in Principle (DIP) can strengthen your position when making an offer, while choosing your mortgage product — often a fixed-rate deal — should reflect your long-term plans and attitude to risk. Checking your eligibility for government schemes and preparing key documents early can also make the process smoother, faster, and more secure.
Buying your first home can feel exciting, but also overwhelming — especially when trying to understand mortgages, deposits, affordability, and where to begin. For over 26 years, Private Finance has been helping clients across the UK secure suitable mortgages with clear, straightforward advice.
With whole-of-market access to over 300 lenders — including high street banks, specialist lenders, and private banks — we can search a wide range of mortgage options to help find the right solution for you. Every lender has different criteria, rates, and areas they specialise in, and our experienced team understands which lenders are suited to different types of buyers and circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage
We work with over 300 lenders — including private banks and specialist providers — giving you access to mortgage deals and rates that may not be available directly to the public or through comparison websites.
Our consultants handle every aspect of your mortgage from enquiry to completion. We’ll always be on hand if you ever have any queries about mortgages – and we’ll be there to help when your current deal expires.
We understand that every client’s circumstances are unique. That's why we take the time to understand your situation and compare a wide range of options to help find the right mortgage for your needs and long-term goals.
Buying your first home can feel overwhelming, especially when dealing with lenders, paperwork, affordability checks, and legal processes. We handle much of the work on your behalf — helping to make the process feel far more manageable.
A Decision in Principle (DIP) gives you an indication of how much you may be able to borrow before you start viewing properties. It can strengthen your position when making an offer, show estate agents and sellers that you’re a serious buyer, and help you search with greater confidence and clarity around your budget.
Work out how much your monthly mortgage payments could be with our easy-to-use repayment calculator.
Our mortgage repayment calculator can help you estimate your monthly payments based on the property value, deposit amount, mortgage term, and interest rate.
Not sure where to start? Speak with one of our mortgage brokers for a free initial chat. Ask the questions you want answered, understand your options, and get clear guidance with no pressure to continue speaking with us after.
We offer a free initial call, which usually takes around 20 minutes. It’s an opportunity for us to understand your circumstances, discuss what you’re looking to achieve, and see how we may be able to help.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
Residential Mortgages
Specialist Mortgages
Buy to Let Mortgages
Mortgages by Profession