First Time Buyer Mortgages Made Simple
Expert help, no jargon. Let's get you on the property ladder — the right way.
FCA Regulated
Mortgage Broker
5 Star Rated
Google Reviews
2 Decades' Experience
Independent Advisers
Liverpool Based
Operating across the UK
Why First Time Buyers Choose LTC Mortgages
Access to all lenders across the UK
Exclusive deals for first time buyers
Free, no-obligation initial consultation
Support with schemes such as First Home Scheme, Lifetime ISA & Shared Ownership
Friendly, personable advice every step of the way
How It Works — Simple & Stress-Free


Book Your Free Consultation
Tell us your goals and budget — we'll listen.


We Compare the Market
We search all lenders to find your perfect match.


We Handle the Application
Leave the paperwork to us — you're in safe hands.

Get the Keys
We'll be with you through to move-in day
Ready to Buy Your First Home?
Book Your Free Consultation
100% Secure. No spam. Just helpful advice.
Don’t Just Take Our Word For It
Check Out Our Google Reviews
Michael Carvill2025-06-05Trustindex verifies that the original source of the review is Google. Excellent professional service start to finish a pleasure to work with thank you Danny Ashcroft2025-06-05Trustindex verifies that the original source of the review is Google. I would highly recommend LTC mortgages, my mortgage was more difficult than most because of how my business’s are structured but Liam was great and got it sorted with little fuss in the end, will Definitely be using them in the future 👍 ryan lavelle2025-04-23Trustindex verifies that the original source of the review is Google. As first-time buyers, the mortgage process felt pretty overwhelming at first — but Liam and the guys at LTC Mortgages made all the difference. From the very start, he was approachable, knowledgeable, and incredibly supportive. Liam took the time to walk us through every step, patiently answering all our questions and making sure we fully understood our options. He was always available and genuinely invested in helping us find the best deal for our situation. Thanks to Liam and his team, what could have been a stressful experience was smooth and straightforward. We felt informed and confident every step of the way. We’re so grateful for his help and couldn’t recommend him and LTC Mortgages more highly to other first-time buyers. Kenny J2025-04-15Trustindex verifies that the original source of the review is Google. Used several times and will definitely use again, very helpful with any mortgage information/issues/questions etc, and helped take any stress away when dealing with my mortgage. Highly recommended Ashleigh Reston2025-04-14Trustindex verifies that the original source of the review is Google. Excellent experience. The team has been with us through the whole process with great advice along the way. Would recommend. Philip Seddon2025-02-20Trustindex verifies that the original source of the review is Google. Liam was great throughout. He worked very quickly (as we were in a hurry to remortgage). Arranged at a reasonable cost. Communication - never a problem - fast responses. Got the right deal for us. Highly recommend. Katie K2025-01-10Trustindex verifies that the original source of the review is Google. Couldn’t recommend Liam and LTC Mortgages enough. As first time buyers with no understanding of mortgages at all, Liam was amazing at explaining not just the mortgage process but also the purchasing process, life insurance etc. We got a great mortgage rate from him initially and a few weeks before exchanging he notified us that there was actually a better rate we could swap on to which saved us a few quid a month on the mortgage. chelsey graham2024-11-27Trustindex verifies that the original source of the review is Google. We had Liam as our mortgage advisor and we could not fault him, his communication and commitment to our case was outstanding and I will definitely be using him again when purchasing other homes. Paddy Dwyer2024-10-10Trustindex verifies that the original source of the review is Google. Recently renewed our mortgage at a new rate. LTC Mortgages provided excellent service in getting us the best rate possible. Would always recommend Liam and the team. Matthew H2024-08-22Trustindex verifies that the original source of the review is Google. Highly recommend LTC Mortgages. Very helpful with our sorting out our mortgage from start to finish. Thanks for all the hard work you do!Google rating score: 5.0 of 5, based on 84 reviewsVerified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
First-Time Buyer Questions?
We've Got Answers.
Banks only offer their own set of rates and terms, whereas brokers compare a wide range of lenders to highlight the various rates and benefits best suited to you.
Most places will usually ask for a 10% deposit, however many places have implemented schemes to introduce a 5% mortgage deposit on certain properties, sometimes even 0%.
The Government provides numerous schemes to allow first-time buyers to get onto the property ladder. Schemes include First Home Scheme, Lifetime ISA and Shared Ownership.
The timeline for purchasing a house can vary based on factors like property type, location, financing, and legal procedures. Typically, the process takes around 8-12 weeks, although sometimes it may take a little longer.
Conveyancing solicitor fees range from around £1,200-£2,400 (excluding stamp duty).
Take the First Step Towards Your First Home
No stress. No jargon. Just expert mortgage advice tailored to you.