Talk to a mortgage broker

We are an information site and we do not give advice. When you are ready for someone who can, here is where we would send a friend.

Buying in Northern Ireland

Belfast Mortgages matches first-time buyers in Belfast and across NI with an FCA-authorised local broker. Free to use; the broker pays them. They know Co-Ownership, NI lenders and the BT postcodes.

Go to belfastmortgages.co.uk →

Buying in England or Wales

We Find Mortgages connects you with a whole-of-market broker who can look at every lender, including the ones that like small deposits and first-time buyers.

Go to wefindmortgages.co.uk →

What a good broker does for a first-time buyer

Tells you what you can borrow, for real, before you view anything.
Knows which lenders accept your situation: new job, probation, self-employed, gifted deposit, a missed payment two years ago.
Gets you a mortgage in principle in a day.
Does the application and chases the lender so you do not have to.
Often costs nothing, because the lender pays a fee. Ask up front.

Questions to ask any broker

Are you whole of market, or tied to a panel?
Do you charge a fee, and when?
Are you FCA authorised? (Check the FCA register.)
Will you also look at protection (life cover) and can I say no?

The brokers above are separate businesses from this website. If we are paid a referral fee, it does not change what you pay. Whoever you use, check they are on the FCA register.