Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
First time buyer mortgages are designed to help you take your first step onto the property ladder with confidence. While buying your first home can feel complex, the right advice and mortgage structure can make the process straightforward and stress-free.
At ABC Mortgages, we specialise in supporting first-time buyers across Sittingbourne and Kent, guiding you from your first enquiry through to the day you get your keys. Whether you’re unsure how much you can borrow or ready to start viewing properties, we provide clear, tailored advice every step of the way.
Discover how much you can afford to borrow.
Your home /property may be repossessed if you do not keep up repayments on your mortgage.
Last Updated: 1st May 2026
First time buyer mortgages are mortgage products designed specifically for people purchasing their first property. These mortgages often come with lower deposit options, flexible criteria, and access to schemes that make homeownership more achievable.
Lenders understand that first-time buyers may not have previous property experience, so applications are assessed with a focus on affordability, income stability, and deposit size. With the right guidance, navigating these options becomes much simpler.
The process of securing a first-time buyer mortgage begins with understanding your budget and borrowing potential. Lenders assess your income, financial commitments, and credit history to determine how much you can borrow.
Once you have an agreement in principle, you can begin searching for a property within your price range. After your offer is accepted, the mortgage application is submitted, followed by valuation, legal work, and ultimately completion. At ABC Mortgages, we manage this entire process for you, ensuring everything runs smoothly and efficiently.
The amount you can borrow depends on your income, outgoings, and overall financial profile. Most lenders use income multiples as a starting point, but affordability assessments also take into account your regular spending and future financial commitments.
A stable income and responsible credit history can significantly improve your borrowing potential. Our advisers will provide a clear understanding of your budget before you begin your property search.
Deposit requirements for first time buyer mortgages can vary, but many lenders offer options starting from as little as five percent of the property value. A larger deposit can improve your chances of approval and give you access to more competitive mortgage rates.
Some buyers may also benefit from family support, such as gifted deposits, or government-backed schemes designed to assist first-time buyers.
There are several types of mortgages available to first-time buyers, each suited to different financial situations. Fixed-rate mortgages offer stability with consistent monthly payments, while variable or tracker mortgages may provide flexibility depending on market conditions.
Choosing the right mortgage depends on your long-term plans, risk preference, and financial stability. At ABC Mortgages, we help you select the most suitable option for your circumstances.
In addition to your deposit, there are several costs to consider when buying your first home. These may include legal fees, valuation costs, survey fees, mortgage arrangement fees, and, where applicable, broker fees.
Depending on the property value, stamp duty may also apply, although many first-time buyers benefit from reduced rates or exemptions. Understanding these costs early ensures there are no surprises during the buying process.
At ABC Mortgages, we proudly support first-time buyers across Kent, including Sittingbourne, Maidstone, Canterbury, Medway, and surrounding areas. We understand the local property market and provide both in-person and remote consultations to suit your needs.
Whether you are buying locally or further afield, our goal is to make the process as simple and straightforward as possible.
Clients choose ABC Mortgages because we combine expert knowledge with a supportive, straightforward approach. We understand that buying your first home can feel overwhelming, which is why we focus on clear communication and tailored advice.
We have access to a wide range of lenders, including those offering low-deposit options and specialist solutions. Our advisers remain with you throughout the entire process, ensuring everything is handled efficiently and professionally.
At ABC Mortgages, we are committed to making your first step onto the property ladder as simple and stress-free as possible. If you are exploring your options for first time buyer mortgages, our advisers are here to provide clear, tailored guidance.
Contact ABC Mortgages today to start your journey towards homeownership with confidence.
Yes, many lenders offer mortgages specifically designed for first-time buyers, including low-deposit options.
Deposits can start from as little as five percent, depending on lender criteria.
The process typically takes several weeks, although timelines can vary depending on the property and lender.
The best mortgage depends on your financial situation, but fixed-rate mortgages are often popular for their stability.
In some cases, yes. Specialist lenders may still consider applications depending on your circumstances.
Yes, there are several government schemes available, such as Shared Ownership and First Homes, designed to help first-time buyers get onto the property ladder with lower deposits.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.