Find a first-time buyer mortgage broker, without handing out your number
Your first mortgage is the one where a specialist matters most, and the one where you least want six sales calls. Tell us your situation anonymously, and vetted, FCA-regulated brokers who work with first-time buyers put themselves forward. You pick one. Or none.
Why first mortgages are broker territory
Buying your first home means walking into a market you’ve never dealt with, where every lender scores you differently. One lender is comfortable with a 5% deposit; another wants more but takes a kinder view of your student loan. Some are good with new-builds, some with family help towards the deposit, some with two applicants on very different incomes. None of them publish this in a way you can usefully compare.
A whole-of-market broker deals with those criteria every working day. They’ll tell you what you can realistically borrow, which lenders fit your deposit and income shape, and what the true monthly cost looks like - before you fall in love with a house you’d struggle to finance.
The problem with finding one
The usual route is a directory or comparison site: you type in your phone number just to see names, and your details are sold to several firms at once. Then the calls start, often for weeks, mostly from brokers who never specialised in first-time buyers at all.
Broker Finder works the other way round. You answer a short questionnaire, rough bands, not paperwork, and no name, phone number or email needed to see your matches. Brokers see your case as “Buyer #4821”, never as you. The ones who genuinely fit put themselves forward, you compare them side by side, and your contact details go to the one broker you choose. If nobody feels right, choose nobody - there’s nothing to undo.
What a first-time buyer specialist actually does
- Sizes your borrowing honestly, based on how lenders really assess income, not an online calculator’s guess.
- Matches your deposit to the right lenders, including small-deposit and family-assist options where they fit.
- Handles the application, paperwork, chasing the lender, talking to solicitors and estate agents in their language.
- Explains everything once, in plain English, rates, fees, terms, and what happens on completion day.
Every broker on our panel is authorised and regulated by the Financial Conduct Authority and vetted by us before they see a single case. Broker Finder is an introducer, the advice itself always comes from the regulated broker you choose.
Two minutes. No contact details. No obligation.
See which first-time buyer specialists put themselves forward for your case.
Free to use · anonymous until you choose · your broker sets their own fees, disclosed upfront
First-time buyer questions, answered straight
Do first-time buyers need a mortgage broker?
You don’t have to use one, you can go directly to a lender. But first mortgages are where brokers tend to earn their keep: lenders assess deposits, income and affordability differently, and a whole-of-market broker can see products you’d never find comparing lenders one at a time. Our guide Do I need a mortgage broker? walks through both sides honestly.
How much deposit do I need?
It varies by lender and product. Some lenders accept deposits as small as 5%, and family-assist or guarantor-style products exist too. A broker who works with first-time buyers every week will know which lenders suit your deposit, that’s exactly what the specialists on our panel do. Our questionnaire only asks for a rough band, so you don’t need exact figures to start.
What does it cost?
Broker Finder is free to use, there is no charge from us at any point. Your broker is separate: they set their own fees for their advice, and many charge you nothing because the lender pays them, while others charge a fixed fee. Whichever it is, they must set out their fees clearly before you commit to anything. Asking is a fair first question, and our guide to mortgage broker fees explains the going arrangements.
Will this affect my credit score?
No. The Broker Finder questionnaire runs no credit checks of any kind, it’s a conversation starter, not an application. Credit checks only ever happen later, with your chosen broker and lender, with your explicit permission.