Browse our first-time buyer mortgage guides: deposits and government schemes, affordability, mortgage types and rates, credit history, and special situations like single buyers, shared ownership and guarantor mortgages.
First-Time Buyer Guides
The government has announced Your First Home in England. Explore its expected 2.5% deposit and 20% equity-loan design, and what awaits Budget confirmation.
A practical, step-by-step guide to the UK mortgage process for first-time buyers—covering deposits, affordability checks, mortgage types, buying costs, and what happens from application to completion.
A practical guide for first-time buyers on how a CCJ can affect mortgage applications, what lenders typically consider, and how to strengthen your application.
A clear, broker-led Q&A on the UK 95% LTV Mortgage Guarantee Scheme—what it is, when it’s available, key limits, property and borrower requirements, and common practical considerations.
Understand how joint mortgages work for first-time buyers, how lenders assess shared applications, and the practical considerations around ownership, deposits, credit history and exit options.
A practical guide to how joint mortgages with friends work, including ownership options, affordability checks, credit implications, and what to plan for if circumstances change.
A practical guide for first-time buyers in the UK who have adverse credit. Learn what lenders typically consider, how different credit issues can affect affordability and risk, and what steps can strengthen your mortgage application.
An overview of what lenders typically look for when assessing first-time buyer mortgage eligibility, including deposit, income, credit history, property type and affordability checks.
Learn how UK government-backed options can help you buy with a 5% deposit, what schemes may apply, and what to consider when arranging a 95% mortgage.
Homeowner Mortgage Guides
Bad credit doesn’t automatically rule you out of a mortgage. Understand why specialist lending may be available sooner than you think, what lenders look at, and how to strengthen your application.
A clear guide to the main mortgage types in the UK, including repayment methods, fixed and variable rates, specialist options and government-backed schemes—helping home buyers understand what to look for.
Understand how mortgage age limits work in the UK, what lenders typically require at the end of the term, and the later-life options available for older home buyers.
Understand whether life insurance is required for a UK mortgage, the main policy types used for mortgage protection, what affects cost, and how related cover such as critical illness and income protection can fit alongside your mortgage.
An expert guide to income protection insurance—what it is, how it works, the main policy types, and why it can matter for mortgage security.
Understand what loan-to-value means, how to calculate it, and why your LTV can influence mortgage affordability and the options available to you.
A practical guide to how mortgage lenders assess income, what proof they typically ask for, and how different income types (salary, bonuses, self-employment, benefits and more) may be treated.
A clear comparison of fixed-rate and variable-rate mortgages for home buyers, including how payments can change, what to consider beyond the headline rate, and practical questions to help you decide.
A clear, practical comparison of tracker-rate and fixed-rate mortgages, helping home buyers understand how each deal works, what to consider, and when each option may suit different priorities.
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- [email protected]
- Postal address
-
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.