First Time Buyer Mortgage
Simple, supportive mortgage solutions — helping first-time buyers get on the property ladder with confidence, low deposits, and expert guidance.
Borrow from £25,000 to £25m for a longer period, from as low as 3.50% per annum.
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What Is First Time Buyer Mortgage?
Mortgage is the name we give to a loan that is used to buy properties or land. While the name does come with some weight – it can sound intimidating or complicated to many people – in truth, it’s just one of many types of loan.
The important things to know about a mortgage are:
- It’s a specific type of loan for buying a property or land.
- It’s a long-term loan that is paid back over many years.
- It is tied to your home as collateral, which means that if you fail to make your repayments on a mortgage, the mortgage lender can repossess your home and sell it to cover the debt.
No Stamp Duty (SDLT)
First-time buyers are exempt from Stamp Duty on properties up to a certain value — potentially saving thousands.
No Property Chain
As a first-time buyer, you’re not selling an existing property, making your offer more attractive to sellers and reducing delays.
Government Support
Schemes like the Mortgage Guarantee and First Homes Program offer reduced deposit requirements or discounts on new builds.
Savings Boost
Lifetime ISAs help you grow your deposit faster with a 25% annual government bonus — up to £1,000 per year.
Exclusive Mortgage Products
Access specialised mortgages with up to 95% — or even 100% — loan-to-value, designed specifically to help first-time buyers get on the ladder.
FINANCE DEALS
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
Why Clients Trust Westminster Finance
With the right guidance, buying your first home can be a smooth, empowering, and cost-effective journey—setting the foundation for long-term financial security.
Here are three reasons why clients consistently choose and trust us.
Market-Leading Rates
We provide access to market-leading rates for every client, thanks to our relationships with close to 100 lenders.
Multi-Award-Winning Team
Our team of mortgage advisers have over 40 years of experience and are qualified to the highest level. We’re proud to have numerous customer service awards to our name.
Fully Independent
Our Experts
Fergus Allen
Head of Bridging CeMAP
Mathew Phillips
Senior Finance Broker CeMAP
Paige Dumpleton
Finance Broker CeMAP
How We Work
1. Get a Tailored Quote
Our bridging specialists will carefully review your plans and provide an honest, expert assessment. You’ll receive an overview of achievable terms, cost estimates, and whether bridging finance is the most suitable option for your situation.
2. Secure a Decision in Principle
Within 24–48 hours, we’ll obtain a Decision in Principle from a trusted lender. This strengthens your position with estate agents and sellers, and if needed, we’ll speak directly with them to support your case.
3. Submit Your Application
Once your offer is accepted, we’ll handle the full application process. From valuations to legal checks, we coordinate with all parties to ensure everything moves swiftly and smoothly.
4. Receive Your Funds
You’ll be kept informed at every step until the funds are released and your purchase is complete. Even after completion, we remain on hand to support you throughout your loan term.
Ready to move fast on your next property opportunity?
Let us help you explore whether mortgage finance is the right fit. Our experts will guide you every step of the way handling the details so you can focus on your goals.