First-Time Buyers

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Helping first-time buyers to get their foot on the property ladder

We’re here to support first-time buyers every step of the way; from working out how much you can borrow to helping you understand the application process.

Getting a mortgage for the first time can be a daunting experience. Thanks to steep property prices, first-time buyers generally speaking have smaller deposits. Consequently, this means they need to borrow more which limits the number of products and lenders available to them. In recent years, some lenders have introduced new product ranges to help more people take their first step onto the property ladder. This has created an abundance of 95% loan to value mortgages, in addition to products which allow a parent or close family member to act as a guarantor.

For many people, a mortgage is the largest investment they will ever make. So it’s crucial that you speak to an experienced Mortgage Adviser who can search through the mortgage maze to advise you on the best product available to suits your needs.

Here are a few reasons why you should contact us:

  • You who have never had a mortgage
  • You want a close family member to be a guarantor on your mortgage
  • Your deposit will be gifted cash or equity from a close family member
  • You are self-employed
  • You are a contract worker or on a zero hours contract
  • You only have a 5% deposit
  • You have some current or historic adverse
  • You have already been turned away by high street lenders

Find Out How Much You Could Borrow

We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.

To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers

£
£

You could borrow up to

Calculate Your Monthly Payments

We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.

To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers

£
£
Years
%

It would cost

The Latest Best Buys

Our best buy tables allow you to compare thousands of products to give you an indication of the types of mortgages available to you. Please be aware that the information is computer generated and relies on certain assumptions, like your credit commitments and monthly expenditure.

When you’re ready for an accurate quote that is personalised to your individual requirements, call our Mortgage and Protection Advisers on 01702 533 400 for a free no obligation quote.

Why Use Ingard?

Search and compare every leader in the mortgage marketplace

We compare every lender in the marketplace, which means we can access lenders who only deal directly with qualified advisers.

Speak to a qualified mortgage advisor

Our qualified advisers are salaried, so you can be sure that you are receiving the best impartial advice.

We promise you'll have one advisor start to finish

We promise that you won’t be passed from pillar to post. One of our qualified advisers will deal with your application from start to finish.

Free initial consultation

Your initial consultation is completely free. We will only charge you a fee if you decide to proceed with your application.