First Time Buyer Guide

Buying your first home is one of the most exciting things you’ll do. There is so much to think about, including finding the right mortgage. Make the right choice, first time.

With Firco you’ll be confident you’re in safe hands.

Our first time buyer guide will take you through the entire mortgage process, in an easy to understand way.

Help at every stage
Step by step, we’ll go from saving for your deposit right through to getting the keys to your new home.

That includes your mortgage options, what help you can get, the types of interest rate there are, tips for house hunting and information about conveyancing. We’ll even explain all the jargon.

Getting Started

It’s one of the most exciting things you’ll do. But there’s so much to think about when buying your first property – especially getting a mortgage.

It’s not just about getting the best rate. Here’s what you need to know, including saving for your deposit and the help available to buy your first home.

Here are the main things you need to know about mortgages. By understanding your options, you can make the right choice and plan well for the future.

What you need to know

  • Your needs are unique. That’s why it’s important to know how mortgages work and the options you have available.
  • There are different costs involved when buying a home. You can prepare for this by budgeting properly. If you need any help, we have a budgeting tool to get you started.
  • Your mortgage should suit your needs. That’s why choosing the right mortgage is so important. For example, you may want the security of a fixed interest rate. Or you may prefer a variable rate where the amount you pay could fluctuate each month.
  • There’s lots of help available for first time buyers. For instance, the Help to Buy Scheme or the Help to Buy ISA could make it easier to get your foot on the ladder.
We don’t tend to publish mortgage rates on our website. In most cases rates are negotiable and based squarely on the individual circumstances of the borrower, their plans, assets and income.

Firco are independent mortgage brokers who has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. Arranging bespoke mortgage solutions for clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please Get In Touch and complete the form and we will normally contact you within the same working day during business hours or if you would prefer us to contact you outside normal business hours then please advise and we will quite happily do so. Alternatively you can email us with details about your requirements to or call us on 0151 372 0388