House wrapped in paper

First-time home buyers

  • 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 buyer 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.

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.

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

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

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.

Guarantor mortgages

We explain guarantor mortgages and other ways that parents can help children buy their first home.

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.

Starter Homes Initiative

We explain the government plan to build 200,000 discounted homes for first-time buyers.

Right to Buy scheme

We explain how Right to Buy works and what it means for council and housing association tenants.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.