First-Time Buyer Mortgages

Buying your first home is exciting – but it can also feel overwhelming. At CA Mortgages, we guide you through the process step by step, explain everything in plain English, and help you make confident decisions from Agreement in Principle to getting the keys.

We’re Whole of Market, which means we work with lenders across the UK to secure the most suitable first-time buyer mortgage for your needs.

Your first home, made simple

Clear, honest advice on how much you can borrow and what it will cost each month.
Whole-of-market access to a wide range of lenders, including those with flexible criteria for new buyers.
Support with paperwork and timelines, so nothing gets missed.
Transparent costs (valuation, conveyancing, product fees, and insurance) — no surprises.
Protection guidance (life, critical illness, income protection) so you can keep your home secure.

The process at a glance

Discovery call – We learn about your deposit, income, credit history, and plans.
Budget & eligibility – We outline an affordable price range and likely lenders.
Agreement in Principle (AIP) – Strengthens your position when making offers.
Full application – We handle the forms, documents, and lender communication.
Valuation & underwriting – We keep you updated and solve issues quickly.
Offer & conveyancing – We work with your solicitor until completion day.

See what our clients think

T H

23:08 22 Jan 26

Craig Adams was honestly brilliant from start to finish. I was really worried at the beginning and genuinely didn’t think I’d be able to get a mortgage, but Craig worked his magic and managed to get me one that I didn’t think was possible. He was always there whenever we needed him, no matter how small the question was, and took the time to explain everything properly so we actually understood what was going on. He made the whole process feel so much less stressful and was really easy to talk to throughout. We’re genuinely so grateful for all his help and wouldn’t hesitate to recommend him to anyone looking for a mortgage adviser.

Jodi H.

18:30 21 Jan 26

We have experienced second to none professionalism and an abundance of additional support and guidance throughout our are first mortgage experience with Craig.
All our queries and concerns have been approached and answered promptly and our minds put at rest in what is considered to be a daunting and stressful event.
We wish to thank Craig profusely and with sincerity for the extra Mile he has gone to allow us to achieve our dream.
We cannot express our gratitude enough for all your assistance Craig in engaging us in all aspects of the procedure and providing us with your invaluable knowledge.

Our very kindest of regards

Jodi and Daniel Harris

Philip D.

11:08 19 Jan 26

I’ve known Craig for years now and he’s always given great advice. Most recently, he helped us buy our first home.
He is easy to contact, quick to respond, personable & genuinely focused on getting the best outcome for you. Highly recommend to anyone looking for mortgage advice.

Paige M.

16:04 16 Jan 26

Craig Adams was amazing from start to finish. He made the whole mortgage process so much easier and less stressful, explaining everything clearly and always being on hand when we had questions.
He kept us updated the whole way through and worked hard to get us a great deal. Nothing ever felt like too much trouble and you could tell he genuinely wanted to help.
We’d 100% recommend Craig to anyone looking for a mortgage advisor. Thanks so much for all your help!

L H

13:24 18 Dec 25

As first time buyers we had an excellent experience with Craig. He was helpful, professional, and knowledgeable throughout the entire process. Communication was clear and consistent from start to finish, he kept us well informed at every stage and was always quick to respond to any questions or concerns. We felt fully supported and confident thanks to his guidance and we wouldn’t hesitate to recommend him to anyone looking for a reliable and trustworthy mortgage advisor. Thank you! 👍

Ellie C.

08:05 08 Dec 25

We honestly can’t recommend Craig highly enough. From start to finish he went above and beyond to help us secure the best possible mortgage. His knowledge, patience, and attention to detail made the whole process so much easier for us.

Craig is genuinely invested in helping his clients he’s reliable, efficient, and incredibly proactive. He kept us fully informed at every stage and explained everything clearly, which really took the stress out of the process. He consistently went the extra mile to find the best deal for us and made us feel supported throughout.

If you’re looking for someone trustworthy, dedicated, and truly exceptional at what they do, Craig is the person you want on your side.

Adam L.

13:09 18 Nov 25

As a first-time buyer Craig really helped and guided me through the entire process making everything so much easier. His experience and candid advice was exactly what I wanted. Craig took time to explain my mortgage, home insurance, and mortgage protection options and look for the best products for me. I really appreciate his professionalism and dedication. Can't recommend Craig highly enough!

anita M.

22:43 15 Nov 25

I’ve had a really positive experience with Craig . He’s been patient, professional, and explained everything in a way that made the whole process feel much less stressful. I also appreciated the personal touch, he genuinely was empathetic about my situation which was quite unique .

Nothing was too much trouble, and his calm approach made a big difference. I’d happily recommend him to anyone looking for a supportive and knowledgeable mortgage advisor.

Keith S.

13:25 07 Nov 25

As a first time buyer we could not recommend Craig enough. He helped explain and guide us through the process from start to finish, always having our best interests at heart. We came up against a very uncommon and peculiar issue, but testament to Craig’s professionalism and knowledge he solved the problem within 24 hrs and had us back on track. Top professional and great guy! 5/5.

Neil D.

06:02 28 Oct 25

Craig recently provided us with his services when we needed to remortgage, in the past we have used numerous mortgage advisors but I can honestly say that Craig is by far the best, his knowledge is second to none but more pleasing is the service he provides, constantly in contact throughout the process from day one, I really felt like Craig had a genuine interest in what he was doing for us, his customer service skills are outstanding. We will be using Craig again that’s for sure. 10 out of 10.

Suzanne

07:40 30 Sep 25

Craig was a great help advising me through the mortgage process. I applied for buy to let mortgage, which is new area for me, Craig helped me navigate through and was always on hand to answer any questions. Craig was recommended by a good friend, which is always a good sign and in turn I would also definitely recommend to others.

Paul H.

16:05 15 Sep 25

First class service from Craig!!
Nothing was too much bother for him. Responsive, patient and went the extra mile to ensure he secured the best deal for me. Would definitely use Craig again and would highly recommend him.

Katie R.

12:11 04 Aug 25

As first time buyers, myself and my boyfriend did not know where to start. Craig was so helpful and guided us through the process. Any questions we had, were answered so quickly, putting our minds to rest. We couldn’t thank Craig more for all his help.

Craig Y.

00:41 02 Aug 25

I’ve been using Craig Adam’s services over the course of 2025 and I am thoroughly satisfied and pleased with everything. His care, attention to detail and wealth of knowledge has made the process of remortgaging as easy as can be. He is dependable and readily available to answer any questions - big or small. Highly recommended.

Helen R.

19:29 08 Jul 25

Craig was very knowledgeable and helpful regarding our remortgage and life insurance renewal. Always kept us updated with the application process, thank you.

albie W.

06:37 03 Jul 25

Fabulous service. Understanding and knowledable about difficult situation and sourced a good deal for us. Will definitely use this service again. Thank you.

Alby

09:44 02 Jul 25

⭐️⭐️⭐️⭐️⭐️EXCEPTIONAL SERVICE.

I can’t thank my mortgage advisor Craig Adams enough for the outstanding support he provided in securing a mortgage for me and my family. From start to finish, he went above and beyond every step of the way.

He was incredibly knowledgeable, guiding us through the process with clarity and confidence. What really stood out was how empathetic he was to our personal situation, he genuinely listened, understood our needs, and worked tirelessly to find the right solution for us.

It was clear throughout that he truly cares about his customers. He kept us informed, explained every option in detail, and made what could have been a very stressful experience feel manageable and even positive.
Would even now call him a dear friend of the family.

If you’re looking for someone who is professional, compassionate, and absolutely committed to helping you achieve your goals, I highly recommend his services.

Matt W.

09:18 02 Jul 25

Craig made the whole mortgage process so simple and stress-free. He explained everything clearly, was always quick to respond, and really went the extra mile to help. Highly recommend!

Joe S.

08:09 25 Jun 25

I can’t thank Craig enough for his help in getting us into our first home! As first-time buyers, the whole process felt a bit overwhelming at first, but Craig has reassured us every step of the way and always made us feel comfortable asking any questions we had about both our mortgage and insurance.

Thanks to Craig’s continued support, we’re now settling into our new home and I’d highly recommend Craig to anyone buying their first home!

Tom S.

17:32 22 Apr 25

Craig has been excellent in the process of us getting our first house. He was there to listen to our concerns and talk us through every step of the way and put our minds at rest. We couldn't have done it without him.
You can tell he wants the very best for his clients and goes above and beyond. We highly recommend Craig and can't thank him enough for everything he's done for us.

What will I need to provide?

Proof of ID and address
Last 3 months’ payslips (or SA302s/accounts if self-employed)
Latest P60 (employed)
Bank statements (usually 3 months)
Deposit evidence (savings history or gifted deposit letter)
Details of any loans, credit cards, or commitments

Deposits & monthly costs

Most first-time buyers start with 5–10% deposits; larger deposits can unlock better rates.

We’ll show you the true monthly cost, including product fees, so you can plan with confidence.

Credit Not Perfect?

Don’t panic. We’ll give you an honest assessment and explain what’s possible now – and what to improve if waiting would help (e.g. tidying overdrafts, reducing utilisation, or correcting file errors).

If needed, we can explore specialist lenders who consider more than just a score.

Government schemes & ways to buy

We’ll check your eligibility and explain pros/cons in plain terms, including:

Shared Ownership – Part buy/part rent with the option to staircase later.
First Homes – Discounted new-builds for eligible local first-time buyers.
Lifetime ISA (LISA) – A government bonus on your savings towards a first home.

(Availability and criteria vary — we’ll confirm what’s open to you and whether it fits.)

Protecting your new home

A mortgage is a big commitment. We’ll help you choose sensible, good-value cover:

Life insurance – Clears the mortgage if the worst happens.
Critical illness cover – Pays a lump sum on diagnosis of specified conditions.
Income protection – Replaces part of your income if you’re unable to work.

You only pay for what you need — no hard sell.

Why Choose CA Mortgages?

We pride ourselves on giving honest, transparent advice tailored to your circumstances.

Independent: we search widely to find suitable options for you.
Jargon-free: straight answers, clear timelines, no fuss.
End-to-end support: from planning your budget to completion day.
Realistic guidance: we won’t overpromise — we’ll set you up for success.
Whole of market: access mortgage deals from the whole-of-market, helping you to get the best rates on a first-time buyer mortgage.

Let’s make your first home happen.

Ready to start – or just want to sense-check your budget? Book a free, no-obligation chat. We’ll map your options, arrange your AIP, and guide you all the way to completion.