First Time Buyers

Need help taking that first step on the property ladder?
Try Aldermore. Our range of first time buyer mortgages are designed with you in mind.
Get a quote

Free Expert Advice

  • 0333 920 0881 02 and 03 numbers are charged at standard call rates and included in most mobile and landline operators inclusive minute packages
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Competitive mortgage rates for first time buyers. Aldermore offers up to 100% loan to value mortgages, with personal service that treats each customer as an individual.

Key benefits of choosing Aldermore

Finding your first home is an exciting time, but it can be difficult to know where to start with getting a mortgage. At Aldermore, we work to meet the needs of our customers. Whether you're struggling to raise a deposit or have been turned away by high street lenders, our team of experienced underwriters are on hand to find a solution for you. We assess all applications on a case by case basis. If you're creditworthy, we can help.

  • We offer expert advice through every step of the mortgage journey.
  • If you're struggling to raise a deposit, we can offer 100% mortgages  with our Family Guarantee Mortgages.
  • We consider all applications on a case by case basis, so we may be able to help even if you don't have a perfect credit history


Help to Buy Schemes

Aldermore supports both the Government's Help to Buy: equity loan and  Help to Buy: mortgage guarantee scheme, which enables borrowers with a small deposit (usually 5%) to secure a mortgage. For more information, visit our Help to Buy page.



Our featured mortgages

Personal Mortgage

Fixed Rate Mortgages
  • 4.7/5 (22 reviews)

Rest easy with a stable interest rate. Fixed rate mortgages take fluctuating interest rates off your hands for smoother financial planning. 

From 3.48%

Personal Mortgage

Discounted Rate Mortgages

Benefit from a lower rate of interest for an introductory period with a Discounted Rate.

From 3.88%

Personal Mortgage

Term Variable Rate Mortgages
  • 5/5 (3 reviews)

Simple, straightforward lending. Variable interest rates follow changes to market rates. 

From 3.88%

Latest Rating and Reviews

2 Year Fixed Rate Mortgage (95% LTV)

first time buyer

After looking for a mortgage i was lucky to find the mortgage application was quick and all emails and contact was done with speed . ( big thank you to jordan amazing support )

3rd November 2015 w2183
3 Year Fixed Rate Mortgage (95% LTV)

Allowed us to buy our first home.

We were advised elsewhere that we would not be able to get a 95% mortgage, however Aldermore were able to offer this to us, and made the process unbelievably painless. We received a fantastic personal service from start to finish and they were incredibly fast; two months after our the first phone call we have found and moved into our first home! Needless to say we are so happy we made that call.

5th October 2015 Amy28
3 Year Fixed Rate Mortgage (95% LTV)

Helped me greatly when other lenders wouldn't.

I found Aldermore bank to be very helpful, and I had a friendly mortgage advisor helping me along with my application. There were some quite stressful times where I needed to give more information, but all this was done in a speedy and well advised way. Thank you for giving me my little old house that I love! :)

11th August 2015 Happyperson31
2 Year Fixed Rate Mortgage (95% LTV)


We had been turned down by high street banks but Aldermore assessed us on an individual basis and offered us a mortgage within a week. Our house purchase completed within 5 weeks. Their customer service was excellent throughout. We would definitely recommend Aldermore to anyone looking for a mortgage.

10th August 2015 Anna29
Term Variable Rate Mortgage (85% LTV)

Excellent product advice and customer service

The appeal to getting in touch with Aldermore was the ability to speak to someone direct regarding a mortgage, rather than going through a broker. From the first phone call I made, I found everyone I spoke to extremely pleasant, well informed and knowledgeable. The advisor who took me through the process made it really straightforward and kept in touch with me as it progressed. It was never a problem to provide me with alternative quotes and run through everything with me so, that I could make a decision as to what suited best. I would thoroughly recommend them.

10th August 2015