The Mortgage Mum
First-Time Buyer Guide

Your Free Guide to Getting on the Property Ladder

Buying your first home is exciting—but understanding mortgages, deposits, and repayments can feel overwhelming. That’s why we’ve created a comprehensive First-Time Buyer Guide, packed with clear, simple information to help you make informed decisions.

What’s Inside?

✔️ Mortgages Explained – A clear breakdown of how mortgages work and what to expect
✔️ Types of Mortgages Available – Explore the different options, including fixed-rate and tracker mortgages
✔️ Home Buying Process – Understand each step of the journey, from making an offer to completing your purchase
✔️ Mortgage Application – A guide to the documents and proof you’ll need, including deposit verification
✔️ Home Buying Costs – Learn about the additional expenses, such as stamp duty, surveys, and legal fees

Who is This Guide For?

✅ First-time buyers who want to understand their mortgage options

✅ Anyone looking for clear, straightforward advice on getting a mortgage

✅ Those unsure about deposits, repayments, and affordability

Download Your Free Guide Now
Enter your email below to get instant access to our First-Time Buyer Guide – your essential resource for stress-free home buying.

Let’s make your dream of homeownership a reality!

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So, let's get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…

We always aim to provide a high quality service to our customers. However, if you encounter any problems, please find our how to make complaint procedure.

If we are still unable to resolve them, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service here.

*Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.

Most images of The Mortgage Mum team supplied on this website are to the credit of Stephen Wallace Photography.

The Mortgage Mum Limited is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only. Registered address: THE MORTGAGE MUM LIMITED 4th Floor, Silverstream House, 45 Fitzroy Street, Fitzrovia, London, W1T 6EB. Registered Company Number: 11723322. Registered in England & Wales.

The Mortgage Mum Specialist Finance Ltd (TMMSF) FCA No 999350 is permitted to provide regulated and unregulated advice. TMMSF is an Appointed Representative of New Leaf Distribution Ltd who are authorised and regulated by the Financial Conduct Authority FCA No 460421.

Your home may be repossessed if you do not keep up repayments on your mortgage. TMMSF Ltd is registered in England and Wales. Company number: 14619044. Registered office 539-541 London Road, Westcliff-on-Sea, Essex, SS0 9LJ. Registered in England & Wales.

A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £995. Commercial products including bridging, secured loans, business loans and commercial property will have a different pricing structure which you will be advised of before any applications are made on your behalf. Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.

We always aim to provide a high quality service to our customers. However, if you encounter any problems, please find our how to make complaint procedure. If we are still unable to resolve them, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service here. *Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services. Most images of The Mortgage Mum team supplied on this website are to the credit of Stephen Wallace Photography.