First-Time Buyers Mortgage

What is a first-time buyer mortgage?

Buying your first home is exciting but can feel overwhelming. A first-time buyer mortgage is designed to help people take that first step onto the property ladder.

How it works

Most lenders expect at least a 5–10% deposit, though government schemes can sometimes make it easier. Lenders also look at your income and spending to decide how much you can borrow.

Why choose this mortgage

• Lower deposit options to help you get started
• Access to government schemes for first-time buyers
• Products designed with incentives for new buyers

How we can help

At Salus, we’ll explain your options clearly, compare deals across the market, and guide you through the process from start to finish.