Step onto the property ladder with confidence
Buying your first home is a huge milestone. We guide first-time buyers through every step — from Decision in Principle to picking up the keys.
- Whole-of-market access
- Specialist mortgage advisers
- Thousands of products available
First-time buyer mortgages have their own quirks: smaller deposits, government schemes, stamp duty relief, and lenders who specialise in this segment. Our advisers know exactly where to look.
We'll help you understand how much you can realistically borrow, what your monthly payments look like, and what to budget for legal fees, surveys, and moving costs.
Schemes we can advise on
- 95% loan-to-value mortgages
- Shared Ownership
- Joint Borrower Sole Proprietor
- Family-assisted (guarantor / gifted deposit)
- New-build mortgages
What you'll need to apply
Typically: proof of ID and address, 3 months' payslips (or 2–3 years' accounts if self-employed), 3 months' bank statements, and evidence of your deposit source.
The buying timeline
From Decision in Principle to completion usually takes 8–14 weeks. We stay in touch with your solicitor and lender throughout to keep things moving.
Frequently Asked Questions
How much deposit do I need?+
5% of the purchase price is the minimum for most lenders. A larger deposit (10–15%) typically unlocks noticeably better interest rates.
Do I qualify as a first-time buyer?+
You're a first-time buyer if you've never owned a residential property — anywhere in the world. This affects stamp duty and access to certain schemes.
Get in touch with our team
Tell us a bit about your mortgage needs and we'll guide you toward a suitable broker.
- Emailinfo@osl-fs.co.uk
- Phone+44 1952 459683
- Office11 Dinthill, Telford, England TF3 2DT, GB