House wrapped in paper

First-time buyer mortgages

  • The pros and cons of shared ownership and shared equity schemes
  • The types of first time buyer mortgages available
  • What schemes are available for first time buyers

What's in this guide

First time mortgages

What mortgages are available for first time buyers, what you'll face getting on to the property ladder and where you can get help.

What is Help to Buy? Video guide

Help to Buy is a government scheme that helps people without a large deposit to buy a house. Which? explains how it works Contains video

Local Authority Mortgage Scheme

Which? explains how you can get a mortgage through the local authority mortgage scheme if you are a first time buyer.

Parent mortgages

There's an increasing range of mortgages are on the market where parents can offer extra help. Which? guides you through parent mortgages.

Shared ownership

Which? explains the pros and cons of buying a property under a shared ownership scheme, how to access it and the potential costs.

Which Ltd is an Introducer Appointed Representative of Which? Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Which? Mortgage Advisers, Which? Insurance Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.