First Time Buyer? We Are Here To Help!

🏡 First-Time Buyer in the UK? How AJL Mortgages Can Help You Secure Your Dream Home

Are you a first-time buyer in the UK looking to get onto the property ladder? Navigating the mortgage market can be confusing, but working with a trusted mortgage broker like AJL Mortgages can make all the difference.

In this blog, we’ll break down what’s happening in the UK first-time buyer market, the challenges buyers face, and how AJL Mortgages can help you get approved for a mortgage and move into your dream home — faster and with less stress.

💡 What Is a First-Time Buyer?

A first-time buyer is someone who is purchasing their first residential property and has never owned a home before, in the UK or abroad. First-time buyers often benefit from lower Stamp Duty rates, government help-to-buy schemes, and specialist mortgage products designed to make homeownership more accessible.

📊 The Current State of the First-Time Buyer Market in the UK

Despite high property prices and rising interest rates, the first-time buyer market remains strong. According to recent data:

• First-time buyers now account for over 50% of all mortgage approvals in the UK.
• The average deposit for a first-time buyer is around £60,000, but this varies by region.
• Government schemes such as Shared Ownership, First Homes, and Lifetime ISAs are helping more people get on the ladder.

However, many buyers struggle with affordability checks, confusing mortgage options, and long delays from lenders. That’s where working with a whole-of-market mortgage broker like AJL Mortgages comes in.

🔍 Why First-Time Buyers Should Use AJL Mortgages?

When it comes to securing your first home, you need more than just a good interest rate — you need guidance, access, and expert support. AJL Mortgages offers:

✅ Whole-of-Market Mortgage Advice

We work with over 90 lenders, giving you access to thousands of mortgage products, including exclusive deals not available directly to the public. We compare all options to find the best mortgage for your situation.

✅ Specialist First-Time Buyer Mortgages

We specialise in helping first-time buyers find mortgages with low deposits, affordable repayments, and favourable lending criteria — even if you have limited credit history or a non-standard income.

✅ Step-by-Step Support Through the Mortgage Process

From your mortgage in principle to your final offer and completion, we guide you every step of the way — answering questions, chasing paperwork, and removing the stress.

✅ Help with Government Schemes

Whether you're eligible for Shared Ownership, First Homes, or using a Lifetime ISA for your deposit, we’ll ensure you’re maximising every opportunity to reduce your costs and increase your chances of mortgage approval.

✅ No Hidden Fees and Honest Advice

We believe in transparency. Our fees are competitive, clear, and always discussed upfront. Our advice is tailored to your goals, not commission.

👥 Real People, Real Results

We’ve helped hundreds of first-time buyers across the UK — from couples saving for years, to solo buyers using family gifts, to those unsure if they could even get a mortgage.

Whether you're buying in London, Leeds, Cardiff, or Glasgow — AJL Mortgages is here to help you buy your first home with confidence.

🏠 Ready to Buy Your First Home? AJL Mortgages Is Here for You

If you’re serious about buying your first property and want to improve your chances of getting mortgage-approved, book a free consultation with our expert mortgage advisers.