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

For Expert Advice

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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 BuyHelp 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.

And if you’re just starting to save your deposit, we offer an Easy Access Help to Buy: ISA where you can benefit from tax-free interest on your savings and receive a Government bonus when you purchase your first home. 

You can find out more on our Help to Buy: ISA page.



Our featured mortgages

Personal Mortgage

Fixed Rate Mortgages
  • 4.7/5 (27 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 (85% LTV)

Excellent for people with credit rating issues

Aldermore were fantastic and treat you like a real person rather than a computer says no approach. Myself and my wife could easily afford the mortgage we needed, but nobody would go near us because of a minor credit rating issue for my wife (a £5 discrepancy in a phone bill that was showing as a default!). Aldermore look at the bigger picture and after an appeal we were granted a mortgage and we're now in a new home. Would Defnitely recommend they are super fast as well as very helpful. You get the impression they want to help you, rather than desperate to find any opportunity to decline you

3rd February 2016
2 Year Fixed Rate Mortgage (85% LTV)

Fantastic quick completion

I loved working with Aldermore because it was straight forward, my account manager had updates for me and was great throughout the process. Their turnaround time was 2 weeks during the christmas period which I found was impossible with any other lender.

25th January 2016
2 Year Fixed Rate Mortgage (75% LTV)

Great service

The whole process was really simple! Great approach, really happy and pleased with service received. My mortgage advisor Francesca was fantastic and I definetly recommend her.

11th December 2015 Krzy
2 Year Fixed Rate Mortgage (85% LTV)

Excellent Service Throughout

Mark R handled our case from start to finish. He took us through the whole process and his attitude was first class. After passing the DIP stage, we proceeded to full application and received an offer approximately two weeks later. This would have been within a week, however was delayed by our employers. After receiving our offer we proceeded to exchange and completion with no hassle at all. Mark R and Aldermore were excellent throughout and the whole process was professionally handled.

2nd December 2015
3 Year Fixed Rate Mortgage (70% LTV)

Very good service

I am very happy with the service I have received from Aldermore, the staff members were always very helpful when I called and I am happy with the mortgage that I have taken out. There was very good continuity and communication during the application process.

1st December 2015 OG10