First-time buyer mortgage advice
Buying your first home? We'll guide you through every step, from your first call to picking up the keys.
Free, 30 to 60 minutes, by video or phone.
Nothing to prepare, just bring your questions.
Overview
Buying your first home is one of the biggest financial decisions you'll ever make. It can feel exciting, overwhelming, and confusing all at once, especially when you're trying to make sense of deposits, interest rates, and what you can actually afford.
That's where we come in.
We work with first-time buyers across North London and Hertfordshire who want clear, honest advice without the jargon. We'll help you understand exactly how much you can borrow, what deposit you'll need, and what your monthly payments will look like, so there are no surprises along the way.
We also make sure you're matched with the right lender for your situation. Some lenders are more flexible with smaller deposits. Others are better for self-employed buyers or those with student loans. We know which is which, and we'll find the one that fits you.
From your first call to the day you pick up the keys, we'll be there to handle the paperwork, chase the lenders, and explain anything you're unsure about. No question is too small.
Related reading: our first-time buyer guide for North London and Hertfordshire.
How it works
Book a free call
30 to 60 minutes, by video or phone, at a time that suits you. No commitment, no pressure.
We find the right deal
We search the whole market to find the mortgage that fits your situation and goals.
We handle everything
From application to completion, we do the heavy lifting so you don't have to.
How we help
We explain everything in plain English.
No jargon, no acronyms, no assumptions. We make sure you understand exactly what you're agreeing to before you commit to anything.
We tell you what you can actually afford.
Before you fall in love with a property, we'll give you a clear borrowing figure so you know what's realistic.
We find the right lender for your situation.
Whether you have a small deposit, a complex income, or a less-than-perfect credit history, we'll find lenders who'll work with you.
We support you through the whole process.
From application to completion, we deal with the lender, the solicitor, and the paperwork. You focus on finding your home.
★★★★★
Solomon has been extremely helpful from start to finish. As first time buyers he has been there to guide us through the entire journey and now we are happily settled in our dream home. We could not recommend Kudos Mortgages enough!
Common questions
Most lenders require a minimum 5% deposit, though some specialist schemes go lower. A larger deposit usually means a better interest rate and lower monthly payments, but a small deposit doesn't rule you out.
Most lenders will let you borrow between 4 and 4.5 times your annual salary, with some going higher, though this depends on your income, outgoings, deposit size, and credit history. Book a free call and we'll give you a clear figure based on your situation.
Government schemes change over time, so we'll talk you through what's available when we speak, including which ones you're eligible for and whether they're right for you. The newest is Your First Home, which pairs a 2.5% deposit with a 20% government-backed equity loan on a new-build home in England.
Read about Your First HomeTypically 12 to 16 weeks from offer accepted to completion, depending on the chain and your solicitor.
Yes. Lenders factor your existing debts into their affordability calculations, but having loans doesn't disqualify you. We'll find lenders who take a sensible view of your overall financial picture.
Usually not. Most of the mortgages we arrange come with no broker fee. For buy-to-let, shared ownership, adverse credit, or mortgages under £100,000, a fee may apply, usually between £295 and £495. We'll always tell you the exact fee upfront, before you commit to anything.
A Mortgage in Principle, also known as a Decision in Principle (DIP) or Agreement in Principle (AIP), is an early indication from a lender of how much they'd be willing to lend you. It's useful when making offers on properties but isn't a guaranteed loan. A full mortgage offer comes later, after a complete application and property valuation.
A broker searches the whole market, not just one lender's products. For first-time buyers especially, this matters. Different lenders have very different criteria, and a broker can match you with the one most likely to approve your application and offer the best rate.
Let's get your mortgage
sorted.
A free call, 30 to 60 minutes, by video or phone. No obligation, no jargon. Just honest advice. Nothing to prepare, just bring your questions.
Book a free callYour home may be repossessed if you do not keep up repayments on a mortgage secured against it.