First-time buyermortgage guide.
Your first home, made simpler. Straightforward weekly guidance to help you understand mortgages, deposits, viewings and what happens next.
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A quick introduction to The Buyer’s Blueprint and what to expect.
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Read our overview of how we help first-time buyers, from borrowing to completion.
First-time buyer helpEvery step of buying your first home, one email at a time
Each week covers one stage of the process in plain English, with links to the tools you can use along the way.
- 01
How mortgage affordability works
What lenders look at, and how to get an estimate with our Maximum Mortgage calculator.
- 02
How your deposit affects your options
Why deposit size changes the mortgages available to you, and ways to plan for it.
- 03
What a Decision in Principle means
What it tells you, what it doesn’t, and when it’s worth getting one.
- 04
Viewing homes and making an offer
What to have ready before you view, and what happens once an offer is accepted.
- 05
Applications and valuations
The paperwork, the lender’s valuation, and how long each stage usually takes.
- 06
From mortgage offer to completion
Solicitors, exchange, completion day and protecting your home once you move in.
Book an initial mortgage conversation
The Buyer’s Blueprint is general guidance, not personal advice. When you’d like a recommendation based on your own circumstances, book a call with one of our mortgage advisers.
See our fees before you book, or visit Tools for a free credit report or affordability assessment. aFinancial is a mortgage advisory service, not a lender.
How much deposit do I need to buy my first home?
Many lenders accept a deposit from 5% of the purchase price. A larger deposit can give you access to a wider range of mortgages. The right amount depends on your circumstances and the lender’s criteria.
How much could I borrow for a mortgage?
Lenders look at your income, regular outgoings, credit history and deposit. Our Maximum Mortgage calculator gives an indicative estimate — it isn’t a guarantee of what a lender will offer.
What is a Decision in Principle?
A Decision in Principle is a lender’s initial indication of how much it may be willing to lend, based on the information you provide and usually a credit check. It is not a mortgage offer and does not guarantee you’ll be approved later.
What costs should I budget for when buying my first home?
As well as your deposit, budget for legal fees, surveys, any lender or broker fees, Stamp Duty Land Tax where it applies, and moving costs. See our fees and our homebuying tools for more detail.
When should I speak to a mortgage adviser?
Ideally before you start viewing homes, so you have a realistic idea of your budget. You can also speak to us any time you have a question about your options.
Does getting The Buyer’s Blueprint mean I’m applying for a mortgage?
No. The Buyer’s Blueprint is free general guidance sent by email. It doesn’t involve a credit check or an application, and you can unsubscribe at any time.
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