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?
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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.