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First Time Buyer Mortgage

Taking that first step into home ownership is an exciting time. We’re here to help you navigate the market and find the right mortgage for your first home.

As a first-time buyer, nothing beats the feeling of finding the perfect home. When the time comes to start looking at mortgages, it can feel a little daunting at first, but it’s all part of the journey.

As you experience the purchasing process for the first time, you’ll want someone to lean on, ready to guide you through things and explain how it all works. That’s where we come in.


We’ll help you understand the available mortgage options, and discuss which is best suited to you and your needs. We’ll also be sure to go through all the additional costs associated with home ownership, so that you feel fully prepared to take it on.

How much deposit do I need

Typically, banks will ask for at least 5-10% of the value of the property. However, it’s always good to aim for at least 15% to improve your chances of obtaining a mortgage offer.

How much can I borrow?

This will depend on your income. As part of our strategy call, we can go through your borrowing limits in detail and help you understand what you can afford.

Ready to get your First Mortgage?

If you’re a first-time buyer looking for a mortgage that best suits you, we’re here to help. Just get in touch with our friendly team to get started.

Momentum Mortgages is proud to be a part of Embrace Financial Services .