The very best rates Mortgages for first time buyers

Welcome to the new look Buying First Time, an Independent, non-affiliated First Time Buyer website.

If you're a First Time Buyer in the UK, you need, Buying First Time. We provide an essential resource for First Time Buyers in the UK, offering a complete range of services that range from 'idiot's guides' to common legal terms and phrases. Being a First Time Buyer can be a confusing stage and Buying First Time offers advice on the challenges you'll face.

In addition, First Time Buyers can browse our comprehensive directory of Estate Agents and Letting Agents as well as a range of other essential resources. There's even a series of helpful articles to guide you through every step of the property buying process and our handy mortgage calculator.

If you are looking for a first time buyer mortgage, our guide to mortgages may be of assistance.

Fill in the form below to get a call from one of our specialist advisors who can offer you the right first time buyer mortgage

More than seven million home owners are missing out on the best available rates due to fear and confusion about the costs of moving. Research by the Mortgage Guild has revealed that nearly half of UK mortgage holders are paying the standard variable rate or higher despite the fact there are lower rates available on the market. Most of those surveyed said that they would feel angry if they discovered that their lender was offering a better rate to new customers.

Advice on Home Owning and Home Maintenance

Secure a Home Owner Loan

With a home owner loan you can borrow for almost any purpose. Typically, you may want to dramatically reduce your outgoings with a debt consolidation loan, or raise cash for home improvements, your dream car or a well earned holiday.
If you own your home, a secured loan is often the answer to your borrowing needs. Getting a home owner loan is easy and will not affect your existing mortgage. Lenders will offer you the lowest interest rates based on the reduced risk to them due to the equity in your property.

Reliable Maintenance Providers

If you’ve ever had the misfortune of your system breaking down or the dials becoming unresponsive, then you’ll undoubtedly be aware of what an irritating and unpleasant experience this can be, particularly if it occurred during the chilly winter months when a functioning central heating system is invaluable.
To avoid such an incident, it is important to ensure that that your heating system is properly maintained. Make sure that you always have the number of a trusted and local boiler repair service provider in London for when you really need it.

If you ever get any maintenance work done, there can be some construction rubbish left over, make sure that you have the contact number of a trusted rubbish removal company in your area.

The following reasons for not changing their mortgage were given: Around 50 per cent said they did not want to start a long term policy again. Others did not understand the term re-mortgage and others were frightened about the process.

We at Only Mortgages believe all home owners should have a simple mortgage health check to see if savings can be made. In many cases the costs of remortgaging are almost free, i.e. no valuation or legal costs. Save money on a new mortgage application or re-mortgage now by using our free Quotation Service. We can often provide you with a mortgage decision within 1 hour.

Only Mortgages UK are here to offer you simple and honest independent mortgage advice. We have access to hundreds of mortgages and aim to find one that will suit your personal circumstances.

We aim to find solutions to your problems and specialise in arranging mortgages for all occupations and credit histories. We'll consider the usual and the unusual and can often help where others can't. We try hard to find a lender that will say yes!

• Self Cert - employed and self employed no proof of income required
• First Time Buyers – no deposit required
• Right To Buy – extra cash for home improvements subject to lender criteria
• Contract Worker – no minimum contract required
• Raise Capital – pay off loans or buy a second property

• County Court Judgments – any amount considered
• Defaults – any amount considered
• Arrears – any amount considered
• Discharged Bankruptcy - any circumstances considered
• IVA's – if being serviced


Only Mortages

Only Mortgage Help. Need help and advice in a hurry we list all of the organisations mortgage resources

Mortgage News

  • Self Employed Mortgage
  • Best Buys
  • At Only Mortgages we are experts at helping
    find a better mortgage and we won't charge you any fees.
  • We will save you time and effort, The Mortgage Advisor undertakes a comprehensive search of the mortgage market place at no cost to you.
  • We offer a full mortgage service our recommendation is by no means the end of our service. We'll also guide you through the mortgage application process and keep you updated to ensure it all goes smoothly.
  • Gain cover in an instant