Your first home, without the guesswork
We search over 100 lenders — including specialists your bank won't tell you about — and every first-time buyer scheme: Shared Ownership, First Homes, 95% LTV, 5–6× income, guarantor, new-build incentives. That's how we find yeses the high street can't.
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Your first mortgage, from the whole of the market — not just one bank's shelf.
Two paths to your first set of keys
Get a tailored homebuying plan.
Tell us where you are today and where you want to be. We'll build a realistic, jargon-free plan that maps every step — savings, credit, AIP, house hunt, keys.
Build my plan →Every route into your first home
Pick the one that sounds like you — or talk to us and we'll point you at the best fit.
New-build mortgage
Low deposit, developer incentivesLower deposit options and developer incentives — we negotiate the deal with the site.
5–6× income
Higher income multiplesSelected lenders will stretch to 5–6× income for the right borrower — we know who.
95% LTV mortgages
Only 5% deposit neededPlenty of choice across high-street and specialist lenders when you've only got 5% saved.
Guarantor & JBSP
Family boost without gifting cashUse family income, savings or property to unlock more borrowing — no cash handover needed.
Shared Ownership
Buy a 25–75% shareBuy a share of a home and pay subsidised rent on the rest — smaller deposit, bigger home.
First Homes scheme
30–50% off market valueBuy a new-build at a 30–50% discount — reserved for first-time buyers on eligible sites.
No-deposit mortgages
Track Record & deposit-freeLenders can lend on proof of rent paid on time — zero or 1% deposit schemes available.
The ultimate first-time buyer experience
100+ lenders searched
Whole-of-market — high-street, specialist and schemes your bank won't show you.
Bigger budgets
Income multiples up to 6× with the right lender. We find the ones that say yes.
A dedicated adviser
One human by your side from hello to the day you get your keys.
Free mortgage in principle
Make offers with confidence — estate agents love to see our AIP.
WhatsApp updates
Real-time progress, no chasing, no email ping-pong.
10-day average offer
Average time from application to mortgage offer is just ten days.
Don't take our word for it
How much deposit do I really need?
You can buy with as little as 5% deposit — even less with Track Record or 1% deposit schemes. Larger deposits (10–15%) open up better rates, but plenty of lenders now offer competitive 95% LTV deals. We'll show you the real impact of every deposit size on your monthly payment.
How much can I actually borrow?
Most high-street banks stop at 4.5× income. Specialist lenders go to 5× or 6× income for the right borrower — and we know who. A 10-minute chat will give you a realistic number.
Will checking my budget hit my credit score?
No. Our initial affordability check and agreement-in-principle use soft searches only — no footprint on your credit file.
What's the difference between AIP and a mortgage offer?
An Agreement in Principle shows estate agents you're a serious buyer and roughly what you can borrow. A mortgage offer is the binding commitment from the lender against a specific property. We help you get both.
How does Shared Ownership work?
You buy a 25–75% share of a property and pay subsidised rent on the rest. You can buy more shares later ("staircasing"). Deposits are far smaller — often 5% of just your share. Not every lender does it, but we work with the ones that do.
How long does the whole process take?
From first chat to keys in hand, typical first-time buyers move in 12–16 weeks once an offer is accepted. We manage the timeline with your solicitor and the estate agent so nothing stalls.
Let's get you the keys to your first home
Free 20-minute call with a Montgomery mortgage expert. No commitment, no jargon — just a real plan for getting you home.
Talk to an adviser today →