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 mortgage rates might look like for first time buyers

What's in this guide

Shared equity schemes

Which? explains shared equity, how it works and how it can help you to get onto the property ladder.

Shared ownership

Which? explains the pros and cons of shared ownership, how to access it and the potential costs.

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.

Which? works for you