Compare first-time buyer mortgages from across the UK market, including lenders that accept gifted deposits, smaller deposits and shorter employment histories.
We source residential deals across the whole market, including products that lenders only release through an intermediary. Tell us your circumstances and an adviser will come back with the ones that actually fit.
Get my optionsResidential mortgages are regulated by the Financial Conduct Authority.
Most lenders want at least 5% of the property value, though the rates improve materially at 10%, 15% and 25%. A larger deposit lowers your loan to value, which is the single biggest driver of the rate you are offered.
Most lenders accept a deposit gifted by a close family member, provided it is a genuine gift rather than a loan and the donor signs a letter confirming they retain no interest in the property. Criteria on who counts as family varies between lenders.
Answer a few questions and a qualified adviser will come back with the lenders that realistically fit — including the ones that only accept business through an intermediary.