First-time buyer mortgages
Understand deposits, affordability checks and the difference between a mortgage in principle and a formal offer.
Home / Mortgages
A little clarity goes a long wayMortgage help without the head-scratching
Buying your first home, moving, remortgaging or looking at buy-to-let? Understand the next steps and ask to be introduced to a mortgage professional.
Find mortgage help →Moneykind is an introductions service, not an adviser or product provider.
Free to enquire. Moneykind makes introductions; any professional fees are explained by the provider.
Explore your options
What can you get help with?
Every situation is different. These are common topics you might want to discuss with a professional before making a decision.
Remortgaging
Review your existing deal, potential fees and the timing of a switch before your current rate ends.
Moving home
Explore how selling, buying, deposits and mortgage portability might fit together.
Buy-to-let mortgages
Learn why rental income, deposits and lender criteria can work differently from residential borrowing.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Simple from the start
How Moneykind works
01. Tell us what you need
Use the relevant enquiry journey on our homepage to share the basics.
02. We review your enquiry
We consider whether an introduction to a relevant professional may be possible.
03. Speak to a professional
If an introduction is made, the professional explains their services, charges and any next steps.
An introduction is not a guarantee of acceptance, eligibility, advice or a particular outcome. Moneykind may receive a referral fee from a participating business; see how it works and our regulatory information.
Good questions
Frequently asked questions
How much deposit might I need?
The deposit depends on the property, lender and your circumstances. A larger deposit may improve the range of options, but it is not the only factor.
Does an agreement in principle guarantee a mortgage?
No. It is an early indication, not a formal mortgage offer. The lender will still assess the application and property.
Can I get help if I am self-employed?
Potentially. A mortgage professional can explain the evidence lenders may ask for, such as accounts or tax calculations.
Does Moneykind give mortgage advice?
No. Moneykind provides information and facilitates introductions; any regulated mortgage advice comes from the relevant authorised firm.
Explore other ways we can help
For more detail about our role, read How Moneykind works or our general FAQs.
Ready when you are
Tell us what you're looking for.
Start with a few details. There is no obligation to proceed after an introduction.
Start an enquiry →