First-time buyers
Buying your first home brings plenty of questions. The Mortgage Exchange helps first-time buyers across the UK understand their borrowing options and navigate the application.
Getting ready for your first mortgage
Your deposit, income, regular outgoings and credit history all affect your options. An adviser can explain how lenders assess affordability and which documents you may need.
From budget to application
We discuss your circumstances, compare suitable mortgage options and explain the costs and conditions. Once you choose to proceed, we support the application and liaise with the lender.
Mortgage availability and suitability depend on your individual circumstances. An initial consultation is no obligation; any applicable charges should be explained before you proceed.
Explore all our services
Debt consolidation
Friendly specialist debt consolidation mortgage advice across the UK. Compare remortgages, second charges, alternatives and total borrowing costs.
Explore debt consolidation 02Raising funds
Explore raising funds from your home with specialist advice across the UK. Compare remortgaging to release equity, second charges and further advances.
Explore raising funds 03Second charge mortgages
Explore borrowing against your home while keeping your existing first mortgage in place.
Explore second charge mortgages 04Remortgages
Review your current deal and explore mortgage options that suit your plans today.
Explore remortgages 05First-time buyers
Understand your deposit, budget and mortgage options before taking the first step towards your own home.
Explore first-time buyers 06Buy-to-let
Mortgage guidance for your first rental property or the next addition to your portfolio.
Explore buy-to-let 07Bridging loans
Friendly specialist bridging loan advice across the UK. Compare short-term secured borrowing for auction purchases, chain breaks and property projects, with costs and risks explained.
Explore bridging loans 08Protection and wills
Explore life cover, income protection and planning for the people who matter most.
Explore protection and willsYour next step starts here
Start your 30-second application for specialist help with consolidating debts, raising funds or your next mortgage — including if you have an adverse credit history. Prefer to look at the figures first? Try the mortgage calculator.