First-Time Buyer Mortgages: Buy Your First Home with Confidence.
Buying your first home should be exciting, not overwhelming. Access over 100 lenders, including exclusive first-time buyer rates and government schemes, with expert guidance tailored to you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Whole of Market Access*
Including specialist adverse credit providers
What is a First-Time Buyer Mortgage?
A first-time buyer mortgage is designed for people who have never previously owned a residential property. You may qualify for exclusive deals, lower deposit requirements, and government support — including Stamp Duty relief and schemes like Shared Ownership and the Lifetime ISA*. KB Mortgage Solutions helps first-time buyers access over 100 lenders to find the right deal.
*For further advice, seek independent financial advice.
Affordability Maximised
We handle the entire journey — from working out what you can borrow to finding the right lender through to completion, structured to maximise what lenders will offer across all income types.
Scheme Guidance
Expert advice on Shared Ownership, Lifetime ISA, and First Homes - so you use every benefit available. With our KB Property Life-Time Guarantee (subject to terms), all future like-for-like remortgages are arranged free.
Why Choose KB Mortgage Solutions
- ✓Whole-of-market access including specialist adverse credit providers not found on comparison sites
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Access to Whole of Market
We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
First-Time Buyer Situations We Cover
Every first-time buyer is different. We assess your income, deposit, and circumstances to find the right lender, product, and scheme for your situation.
Small Deposit (5–10%)
You don't need a huge deposit to get on the ladder. Many lenders offer 95% mortgages for first-time buyers, and government-backed schemes are designed to support smaller deposits. *lender eligibility/criteria apply.
Shared Ownership
Shared Ownership lets you purchase a share (typically 25–75%) and pay rent on the remainder. We know which lenders offer the most competitive Shared Ownership deals.
Family Support (Guarantor & JBSP)
Parents or family members can support your application using their income or property — without being named on the title deeds. Guarantor and Joint Borrower Sole Proprietor (JBSP) products make this possible.
Self-Employed First-Time Buyers
Being self-employed does not rule you out. Most lenders require one to two years of accounts or SA302s — we know which lenders take the most favourable view of self-employed income.
First-Time Buyer with Adverse Credit
A past credit issue does not automatically rule out your first mortgage. Specialist lenders consider the type, age, and amount of any adverse credit alongside your current affordability.
Government Schemes & Incentives
Stamp Duty relief, the Lifetime ISA, Shared Ownership, and the First Homes scheme are all designed for first-time buyers. We make sure you take advantage of every scheme you are eligible for.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Should I Buy Now or Keep Saving?
Deciding when to make your first purchase is one of the biggest financial decisions you'll face. The answer depends on your specific circumstances.
- ✓Property prices and interest rates change - waiting to save a larger deposit doesn't always mean a better outcome
- ✓Government schemes and Stamp Duty relief for first-time buyers may not be available indefinitely - acting now could save thousands
- ✓A 5% deposit mortgage gets you on the ladder — and with our KB Property Life-Time Guarantee (subject to terms), your future like-for-like remortgage is arranged free
- ✓Renting while saving often costs more per month than a mortgage — we can show you a clear comparison for your circumstances
Your home may be repossessed if you do not keep up repayments on your mortgage.
Renting vs Buying Your First Home
A clear side-by-side comparison
| Feature | Renting | Buying with a Mortgage |
|---|---|---|
| Monthly Cost | Landlord sets the rent | Often comparable or lower |
| Equity | None — payments build nothing | Every payment builds your ownership |
| Security | Landlord can end tenancy | Your home, your terms |
| Stamp Duty | N/A | First-time buyer relief may be available |
| Deposit Required | Typically one month’s rent | From 5% of purchase price |
| Future Costs | Rent may increase over time | Fixed rate locks your payment |
| Future Remortgage | N/A | Remortgage options may be available |
KB Mortgage Solutions Life-Time Guarantee is subject to terms and conditions. Available on like-for-like remortgages on the same property. Ask KB Mortgage Solutions for full details.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
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Learn MoreYour home may be repossessed if you do not keep up repayments on your mortgage.
Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online