First Time Buyer

First Time Buyer Mortgages

Your first home is one of the most exciting and important purchases that you will ever make and IMC’s team of experts are here to help and advise, every step of the way. If you are beginning to despair about mortgage affordability as a first-time buyer, start planning your finances now. Our blog is full of helpful guides which are quick to read, such as ‘How much house can I afford?’.

As a first-time buyer, you may have spent the past few years saving for a deposit to secure your first home (the amount of money you have available to put towards the property in one lump sum). This will determine how much you need to borrow as a mortgage.

The next step is to find out how much you can borrow so you will have a better idea of the type of property you can afford to buy when you start looking for your first home.


Finding your mortgage as a first time buyer

We understand that for many first-time buyers, the number of mortgage products available can seem extraordinary. At IMC alone, we have access to over 1,500 products! That is why we work to make it easy and straightforward for all of our clients. Our tailored solutions help to identify the best products on the market and our team of experts is on hand throughout the process to provide advice and guidance.

For a first-time buyer, the entire mortgage process can often seem stressful and overwhelming. And it is important to think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. As trusted mortgage brokers for first-time buyers, IMC have helped thousands of people to successfully purchase their first home.


Mortgage brokers for your first home

All of our mortgage brokers are also qualified financial advisors. Their experience and qualifications means that they are able to provide reliable, personalised advice for people looking to take that first step onto the property ladder.

Are you a first timer buyer concerned about whether or not you will be able to afford a mortgage? There are mortgages and schemes designed specifically for you. For information on the Government’s Help to Buy Scheme, read our helpful summary.

If you are looking to make your property ownership dreams come true, why not speak to our mortgage brokers here at IMC and discover how we can help you?

Buying your first home can be very exciting. Whether you’re moving in with a partner, or getting onto the property ladder yourself; buying a new home is the start of a new chapter. 

Moving Home Mortgage Advice


From finding the best mortgage agreement for you to providing qualified and professional financial advice, we are here to help you purchase your first home – contact us today.


With access to a wide range of mortgage products, IMC is the go-to mortgage broker for the best financial advice.

Help to Buy

Help to buy is a government scheme that’s aimed at helping people buying a home. It can help both first time buyers and existing home owners purchasing a home with as little as 5% deposit.

Find out more

Mortgage Calculator

Your payment £1,126 /pcm

Interest Only £657 /pcm

These results are not provided by IMC and are only indicative based on a repayment mortgage product. Repayments will be subject to the product provided and your circumstances

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"We are taking out our second mortgage through IMC as we found Bonnie Kemp (Senior Mortgage and Protection Adviser) really helpful, efficient and nice to work with. The first mortgage was processed in under two weeks which was crucial for our completion 👍"

benmillar76 , Feb 2018

Independent review from Google
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"Adviser Jacqui Elliot found a very good mortgage and called me unsolicited a few years later to recommend a money saving change; high level of personal and competent care though sums involved were small"

Leah Wallach , Nov 2018

Independent review from Facebook
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"Totally recommend Excellent company to work with, Jacqueline Elliot has dealt with numerous mortgage reviews for us and always reminds us in plenty of time to renew and make the proceeds as easy as possible. Can not recommend highly enough."

LeighM-33 , Dec 2018

Independent review from Yell
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"I have worked with Jacqui for a number of years and have always found her to be very helpful, knowledgable and quick to respond to all of my (probably daft) questions! I would certainly recommend her and IMC financial."

Roubaix Lerner , Jan 2019

Independent review from Google