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First Time Buyer Mortgages

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A selection of the lenders we quote

Congratulations! Deciding it’s time to purchase your first home is a big decision. But becoming a homeowner doesn’t have to be stressful or confusing; choosing Ignite can make the process of finding a first-time mortgage quick and simple.

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Purchasing from as little as a 5% deposit

If you’re looking for your first mortgage and are worried you won’t be accepted or have previously been refused by your bank, it doesn’t mean you can’t have your dream home! We’re experts in finding specialist mortgages.

Have a poor credit score? We can look at a variety of lenders that may accept a colourful credit history – even those that high street banks would not accept.

Haven’t borrowed before and have a low credit score? We know of a number of specialist lenders that we can approach who will be willing to look into this for you.

We know of a number of specialist lenders that we can approach who will be more than happy with this.

Worried about your type of employment? Whether you have a zero hours contract, a seasonal job, rely on commission or are self-employed, we know which lenders will consider your application regardless of your employment type.

On benefits? We have lenders that will allow you to use the benefits you receive to help increase your borrowing capacity.

We know these mortgage lenders and their lending criteria like the back of our hand. So, if a house seems slightly out of reach, we could get you what you need.

Request a call back to see what our expert brokers can do for you.

Have you considered Help-to-Buy?

If you think you’ll need an extra bit of help, you may like to read about Help-to-Buy. This government scheme helps eligible purchasers buy new-build homes through a shared equity loan.

As long as the property is worth under £300,000 in Wales or £600,000 in England and you can provide a 5% deposit, the government will fund a shared equity loan for up to 20% of the purchase price. A mortgage will then cover the remaining balance.

Learn more about Help-to-Buy >

Ready to step onto the property ladder?

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Why choose Ignite?

Whether you’re taking out a mortgage for the first time or are shopping around after receiving an insurance renewal quote, it’s unlikely you’ll want to spend hours on the phone acquiring quotes. Well, now you don’t need to.

You can calculate your needs, get quotes, compare offers and take our insurance all from the comfort of your sofa with our help.

We’re a modern mortgage and insurance broker that aims to give you what you want – affordable finance and insurance at the click of a button with no upfront fees.

Let's see how we can help you

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