Buying your first home is one of the most exciting and significant milestones in life. But it can also be confusing, especially if you’re not sure where to start. At Mortgage Brokers Scotland, we’re proud to offer specialist mortgage advice for first-time buyers across the UK, guiding you from your first questions to getting the keys to your new home. Whether you're wondering how much you can borrow, what deposit you’ll need, or which government mortgage schemes might apply to you, we’re here to simplify the process and support you every step of the way.

Why Choose Mortgage Brokers Scotland?

We specialise in UK first-time buyer mortgages, offering a personal service tailored to your individual needs:

* Access to a panel of trusted UK mortgage lenders

* Access to some exclusive deals not on comparison websites

* Dedicated mortgage adviser to guide you from start to finish

* Expert help with credit checks, budgeting, and paperwork

* Step-by-step support throughout the mortgage application process

* Advice on government-backed schemes like Help to Buy (Wales and Scotland only), First Homes (England only), and Shared Ownership

FAQ’s

UK lenders typically offer between 4 and 4.5 times your income, though this can vary depending on your credit profile, debts, and monthly outgoings. Our advisers will help you calculate your affordability and find a mortgage that fits your financial situation.

How Much Deposit Do You Need?

Typical first-time buyer mortgages in the UK can require at least a 5% deposit. A larger deposit, say 10% or more, may unlock access to better interest rates and lower repayments. We’ll help you explore both high and low deposit options and recommend lenders who can support your goals.

Government Schemes for First-Time Buyers

There are several UK schemes designed to make homeownership more accessible. We can explain and help you apply for:

First Homes Scheme – Save 30–50% on selected new-build properties (only available in England)

Shared Ownership – Buy a share of your home and pay rent on the rest

Help to Buy (available in Wales & Scotland) – Get an equity loan to top up your deposit

Our expert mortgage advisers will tell you what you're eligible for and support your application every step of the way.

Is it possible to get a mortgage with a Low Credit Score?

Yes! Although high street banks may say no, many specialist lenders offer flexible criteria for those with a low credit score. Whether you are a first-time buyer, looking to move home, or wanting to remortgage, we can help secure a mortgage that fits your financial circumstances.

What Other Costs Should You Plan For?

Aside from your deposit, you’ll also need to budget for:

Solicitor and conveyancing fees

Valuation and survey costs

Mortgage arrangement or booking fees

Stamp Duty (first-time buyers in England pay £0 on homes up to £425,000, your conveyancer will confirm your stamp duty costs

Removal/moving costs

We’ll help you understand these costs upfront so there are no surprises later.

Choosing the right Legal Services

Your solicitor carries out the conveyancing which is the legal process of handing over a property from one person to another. We understand that instructing the right professionals to assist you in the purchase of your home is essential. We can put you in touch with one of our recommended solicitors devoted to working solely for you. This enables us to take full control of the purchasing process and ensure that you are guaranteed the best possible service for your move.

Speak to a our team

Our Mortgages advisers are friendly, experienced, and focused solely on helping first-time buyers like you. We understand the UK mortgage landscape inside-out, and we’ll work hard to make sure you feel informed, supported, and ready for every stage of your journey.

Ready to Start Your Homebuying Journey?

We make it easy to take the first step, complete the short form on our Contact Us Page.