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Fee-free Mortgage Broker for First Time Buyers

Helping You Step Into Your Dream Home

Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming. With so many lenders, interest rates, and schemes available, where do you begin? As an experienced mortgage broker for first-time buyers, we provide expert guidance, exclusive deals, and a seamless process to help you secure your ideal mortgage.

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Please fill out the form below to request a free mortgage quotation, a member of our team will get back to you as soon as possible.

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Expert advice

First and foremost, a reputable mortgage broker for a first time buyer understands the unique challenges and uncertainties that you might be facing. From understanding your borrowing capacity to explaining the various mortgage products available, we can ensure you make informed decisions every step of the way.

Lender access

One of the primary advantages of using a mortgage broker for first time buyer is access to a wide range of lenders and mortgage products. Unlike banks or building societies that offer limited mortgage options, we have relationships with numerous lenders across the market. This allows us to compare mortgage deals and negotiate competitive rates on your behalf, ensuring you receive the best possible terms.

Reduced stress

Moreover, a mortgage broker simplifies the often overwhelming task of completing mortgage applications. They handle all the paperwork and liaise with lenders, solicitors, and estate agents on your behalf. By working with Mortgage and Co, we will save you time and reduce stress, particularly beneficial when balancing the demands of work and daily life with the complexities of buying your first home.

Tailored advice

Additionally, mortgage brokers provide bespoke advice tailored to your individual circumstances. They assess your financial situation, including income, savings, and credit history, to recommend mortgage options that align with your budget and long-term financial goals. Whether you’re looking for a fixed-rate mortgage for stability in repayments or a variable-rate mortgage with potential cost savings, we can explain each option clearly and transparently.

Schemes

First time buyers often benefit from the expert guidance of a mortgage broker in navigating government schemes designed to assist homebuyers. For example, they provide advice on Help to Buy schemes or shared ownership programmes, helping you understand eligibility criteria and maximise the financial support available to you.

Valuable insights

Beyond securing your mortgage, a mortgage broker offers valuable insights into related financial matters such as insurance and protection. At Mortgage and Co, we can advise on suitable home insurance policies to safeguard your property and contents, as well as life insurance and income protection to provide financial security for you and your loved ones.

Why choose
Mortgage & Co?

At Mortgage and Co, we provide expert advice and support to help you navigate the entire mortgage application process with confidence.

Mortgage & Co
Success

Hear from some of our satisfied clients who have successfully acquired a mortgage with our help.

First-Time Buyer Mortgage Options

There are several mortgage options designed specifically for first-time buyers. The right choice depends on your financial situation and long-term goals. Our expert mortgage advisors will assess your needs and recommend the most suitable option.

Fixed-Rate Mortgages

A fixed-rate mortgage locks in your interest rate for a set period, typically 2, 3, or 5 years. This means your monthly payments remain stable, making budgeting easier. Ideal for first-time buyers looking for financial security.

Tracker Mortgages

Tracker mortgages follow the Bank of England base rate, meaning your interest rate fluctuates. While this can result in lower payments when rates drop, it can also increase if rates rise. A good option if you’re comfortable with some financial flexibility.

Shared Ownership Mortgages

If you can’t afford a full deposit, shared ownership allows you to buy a percentage of a property and pay rent on the remaining share. Over time, you can purchase more shares through a process called staircasing.

95% Loan-to-Value (LTV) Mortgages

First-time buyers can often access 95% mortgages, requiring just a 5% deposit. This is a great option if you have limited savings but want to get on the property ladder sooner.
Help me find the best option

How Mortgage & Co Helps First-Time Buyers

From your first enquiry to receiving your mortgage offer, we guide you through every stage:

  1. Initial Consultation – We assess your financial situation, discuss mortgage options, and help you understand affordability.

  2. Mortgage Agreement in Principle (AIP) – We secure an AIP, which shows sellers and estate agents you’re a serious buyer.

  3. Mortgage Application – Once you’ve found your dream home, we handle the application, liaise with lenders, and keep you updated.

  4. Approval & Offer – After lender approval, you’ll receive your mortgage offer, moving you one step closer to homeownership.

  5. Completion & Moving In – We’ll support you through the final legal stages, ensuring a smooth transition into your new home.
Let us help you

Get Started with a Free Quote

Please fill out the form below to request a free, no-obligation mortgage quote. One of our expert advisors will review your details and get back to you as soon as possible to discuss your options and guide you through the next steps.

By submitting this data, you agree for your data to be used, in line with the privacy policy

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Details

Unit 6 Clements Arcade,
9-11 Broadway, Leigh-on-Sea,
Essex, SS9 1PA

info@mortgageandco.co.uk
01702 880384

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All rights reserved Mortgage and Co © 2026
Built in Leigh on Sea by Oncrowd

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Mortgage & Co is a trading style of Mortgage and Co UK Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Protection & Co is a trading style of Mortgage and Co UK Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

We do not charge for Residential mortgages; however, our typical fee for BTL mortgages is £250 upon mortgage offer.

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