First - Time Buyer Mortgages
At GoMortgage, we make the first-time buyer journey simple and stress-free. Whether you’re exploring your options or ready to apply, we’ll guide you through every step and help you secure the right mortgage with confidence.
WHY GOMORTGAGE?
First-Time Buyer
Mortgage Specialists
Buying your first home can feel overwhelming – but it doesn’t have to be. This page brings together all of our expert first-time buyer guides, breaking the entire journey into simple, honest and easy-to-follow steps. Whether you’re saving your deposit, checking your affordability, understanding credit requirements or navigating the application process, these guides will help you understand exactly what to expect and how to move forward with confidence.
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OUR GUIDES
First-Time Buyer Mortgage Guides
Understanding your mortgage options is the first step to getting on the property ladder. Our guides break everything down simply – from how lenders assess you to what you can start preparing today.
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Mortgage For First Time Buyers
Mortgage For A Bad Credit First-Time buyer
A straightforward guide explaining how mortgages work for first-time buyers, what lenders expect, and how to get yourself ready to purchase your first home successfully.
- 5 Mins
Mortgage For First Time Buyers
A simple guide explaining how mortgages work for first-time buyers, what lenders look for, and how to prepare for your first home.
- 5 Mins
How Much Could You Borrow For a Mortgage?
Learn how lenders assess your income and spending to estimate how much you could realistically borrow for a mortgage.
- 5 Mins
Understanding Mortgage Repayments
A simple guide to how mortgage repayments work, what affects monthly costs, and how to plan for affordability.
- 5 Mins
What Mortgage Lenders Look For
Learn what lenders assess in your application, from income to credit history, and how to improve your chances of approval.
- 5 Mins
What is a Bad credit Score?
Learn what counts as a bad credit score, how it affects mortgage options, and what you can do to improve it.
- 5 Mins
What Credit Score Do You Need For A Mortgage
Learn what credit score lenders typically look for, how it affects your mortgage chances, and what to improve beforehand.
- 5 Mins
Checkmyfile Explained - Your Full Credit Picture
Learn how Checkmyfile combines all four credit reports, giving you a clear, accurate picture of your full credit history.
- 5 Mins
What Is A Decision In Principle (DIP)?
Learn what a Decision in Principle is, how it works, and why it’s often the first step in securing a mortgage.
- 5 Mins
How Much Deposit Do You Need To Buy a House?
Learn how much deposit you’ll need, what impacts the amount, and how it affects your mortgage options and affordability.
Who We Help
Who Is GoMortgage For?
At GoMortgage, we support the ones who don’t fit the mould. The individuals with unique stories, the self-employed, the overlooked. When others say no, we take a closer look. Working with experienced brokers and specialist lenders, we focus on the person behind the paperwork — not just the numbers.
Considering a remortgage? Whatever your circumstances, we're here to help.
Expert Insights
Explore Our Expert Mortgage Guides
Straight-talking advice, simple explanations and practical steps – built to help you move forward with confidence
Browse our latest articles for clear, practical advice on mortgages, affordability, credit scores and the buying process — written to help you take the next step with confidence.
Expert Mortgage Advice
At GoMortgage, delivering an exceptional customer experience is our top priority. If you’ve had a positive experience with us, why not introduce a friend to the world of GoMortgage®? When your referred friend’s mortgage is successfully completed, you’ll be rewarded with either a £50 Love2Shop or Amazon voucher as a token of our appreciation.
