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

Talk to one of our qualified Mortgage Advisors

  • 0333 920 0881 02 and 03 numbers are charged at standard call rates and included in most mobile and landline operators inclusive minute packages
  • Request a call back

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 (17 reviews)

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

From 3.98%

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 (2 reviews)

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

From 3.88%

Latest Rating and Reviews

Personal Mortgage

Amazing service start to finish.

Aldermore was quick, helpful and friendly during the whole process of me buying my first and forever home! Suffering from an extreme anxiety disorder no matter how many times I rang my advisor francesca was always a friendly and calm voice on the end of the phone. the process was smooth and turnarounds were always fast. Absolutely amazing service. Would recommend A thousand times over.

21st July 2015

Personal Mortgage

Helped when nobody else would

Due to bad credit from years ago I was finding it hard to find a mortgage provider. Having been turned down by others me and my fiancé had all but given up hope until I came across Aldermore. 95% mortgage which is something we never thought would be given to us. Excellent customer service and every step felt like we were guided by our mortgage advisor. 110% recommend to others in our position.

25th June 2015

Personal Mortgage

Mortgage suitable for my situation

Excellent customer service. Slightly higher rates than some other competitors but this is outweighed by the availability to procure the mortgage with lower deposit and lower credit score.

14th July 2015 sres

Personal Mortgage


Easy a eating your tea only thing you have to do is chose what your after then boom it's done would recommend aldermore to anybody everytime so easy

5th February 2015 Fletch1807

Personal Mortgage

Superb Service & Flexibility

Working with Aldermore to help purchase our new home was simple, straightforward and supportive. Our adviser was proactive and gave an excellent service during the entire process. Highly commended Aldermore!!

16th June 2015 SBM72