House wrapped in paper

First-time buyer mortgages

  • How to get a mortgage: expert video and advice
  • The types of first-time buyer mortgages available
  • Pros and cons of shared ownership
  • How parents can help through guarantor mortgages

What's in this guide

How to get a mortgage: video guide

Our video explains the steps you need to take to apply for a mortgage. Contains video

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.

Guarantor 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.

Are you ready to be a first-time home buyer?

If you're thinking of buying a house for the first time, our checklist will help you decide if now is the right time.

First-time buyers: things I wish I'd known

Which? interviews first-time home buyers to find out what they learned about buying a home and get their tips.

Home ownership: what bills do I have to pay?

What bills will most homeowners have to budget for once they have bought a house? Contains video

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 and Which? Money Compare are trading names of Which? Financial Services Limited. Your home may be repossessed if you do not keep up repayments on your mortgage.