First time buyer mortgages

Buying a house is one of the most important purchases you will ever make. It can be a very daunting experience, but our advisors can guide you through the mortgage maze and find you the best deal available for your circumstances. In the current economic climate, you will probably need at least a 5% deposit towards the mortgage before a lender will consider you. But don’t despair if you don’t have the 5% deposit to put down, there may be alternative options for you to consider.

Find your local Linear mortgage advisor

We have a network of friendly mortgage advisors based across the UK. Search for your local mortgage advisor and get in touch with them to start your journey today.

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How much will you have to pay each month?

Use the Linear mortgage calculator to work out your monthly repayments.

Mortgage calculator

Applying for your first mortgage is as easy as 1, 2, 3…

We get to know you

Our expert advisors will meet with you and explain the different types of mortgages on offer. We will complete a budget planner to make sure you get the mortgage most appropriate to you.

Application

When you apply for a mortgage, lenders will look at a number of things to work out how much you can borrow. This could include your earnings, outgoings, the value of the property you want to buy, your deposit as well as your credit history. Our advisors help you do the sums and apply on your behalf.

Completion

On completion, we will review your bespoke mortgage and protection portfolio. The payment of fees is also due on exchange and completion. These fees will be clearly set out by the advisor in your initial meeting.

An important message before you start…

Your property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend on your circumstances but may range from £399 to £599.