--- title: "First home mortgages | Pensions Advice UK" url: https://pensionsadviceuk.com/first-home-mortgages/ description: "Buying your first home? We can put you in touch with our mortgage partners, regulated mortgage brokers, to talk through your options." last_updated: 2026-11-10 publisher: "Pensions Advice UK (a trading name of GAP-GNX Ltd)" language: en-GB --- First-time buyers # Buying your first home? Working out what you can borrow, how much deposit you need and which lender to go with can feel like a lot. We can put you in touch with our mortgage partners, regulated mortgage brokers, to help you through it. - Regulated mortgage brokers - About 2 minutes - Your details stay secure We don't arrange mortgages ourselves. When you get in touch, we pass your details to one of the mortgage brokers we work with, and they take it from there, right through to getting the keys. ## Where a broker can help - Working out roughly how much you could borrow - Finding lenders that suit your deposit and income - Self-employed or run your own business? They can help with that too - Handling the application right through to completion ## How it works 1. **Fill in a short form.** It only asks a few questions. 2. **A broker gives you a call.** They'll want to understand your situation, and they'll tell you upfront how they're paid and whether there's a fee. 3. **If you want to go ahead, they do the legwork.** The advice, the application and getting it over the line are all handled by them. ## Questions ### How much deposit do I need? It depends on the lender and your situation. Many lenders want at least 5% of the price, and a bigger deposit usually opens up more deals. A broker can tell you what's realistic for you. ### Do you give mortgage advice yourselves? No. We're not authorised by the Financial Conduct Authority, so we can't. Any advice you get comes from the broker. ### Does it cost anything to get in touch? No. If the broker charges a fee, they'll tell you before you agree to anything. ### Do you get paid for this? Yes. If you take out a mortgage through one of our mortgage partners, we get a share of the fee the lender pays them. ### What happens to my details? We keep a record of your enquiry and pass your details to the broker so they can contact you. Our [privacy policy](https://pensionsadviceuk.com/privacy-policy/) has the full details. ### Important information **Your home may be repossessed if you do not keep up repayments on your mortgage.** Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not authorised by the Financial Conduct Authority and we do not provide mortgage, financial, investment, pension or tax advice. We act solely as an introducer. If you make a mortgage enquiry, we pass your details to one of our mortgage partners. Any advice or regulated service is provided by our mortgage partners, not by Pensions Advice UK. If you take out a mortgage through them, we receive a share of the fee they are paid by the lender. Our mortgage partners include My Simple Mortgage, a trading name of My Simple Mortgage Ltd, registered in England and Wales (company number 09275345), registered office The Mount, Etruria Road, Newcastle-under-Lyme, Staffordshire, ST5 0SU. My Simple Mortgage Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA reference number 682703. You can check this on the [FCA Register](https://pensionsadviceuk.com/check-an-adviser/). The information on this page is general information only and is not a personal recommendation. ## Speak to a broker Fill in a short form and one of our mortgage partners will call you. It's free, and they'll tell you about any fee before you go ahead. Get started ## Deal ending soon? [Remortgaging](https://pensionsadviceuk.com/remortgage/) ## Retiring with a mortgage? [Later life mortgages](https://pensionsadviceuk.com/later-life-mortgages/) --- Pensions Advice UK (a trading name of GAP-GNX Ltd) connects UK residents with FCA-authorised pension advisers and pension tracing services. It is not FCA-authorised and does not give financial or tax advice. It acts solely as an introducer to FCA-authorised firms, who provide any advice and explain any fees before you proceed. This is the text version of https://pensionsadviceuk.com/first-home-mortgages/. More pages: https://pensionsadviceuk.com/llms.txt