Mobile: 07825 250155 Office: 020 3960 2222
Mail us on info@vsurefinancial.co.uk Mobile 07825 250155 Office 020 3960 2222

First-time buyer mortgages

Clear advice for your first home.

Start enquiry See how much you could borrow

Enquiry form · No obligation to proceed

Advice from a broad lender panelFees explained before you proceedSupport through your application

Who we help

Whatever your
starting point.

  • A smaller deposit

    We explain what is realistic for your circumstances and which buying schemes may be relevant.

    Read the guide ↗

  • Self-employed

    We explain what lenders may ask to see, so you can prepare early.

    Read the guide ↗

  • A credit blip

    Your credit history can affect the options available. We help you understand where you stand.

    Read the guide ↗

  • Buying with help

    We explain relevant buying schemes, such as Lifetime ISA, Shared Ownership or First Homes, and their eligibility conditions.

    Read the guide ↗

Advising first-time buyers in Harrow, Huddersfield, London and Hertfordshire, and by phone and video across the UK.

Your four steps

From conversation
to completion.

Illustrative photograph of a family viewing a bright kitchen in a home
Start your first conversation

  1. Your first conversation

    Tell us your plans. We explain the support and any applicable advice fee.

  2. Explore your options

    We review your deposit, income and commitments, then explain suitable mortgage options.

  3. Apply with support

    We help prepare your application and respond to lender queries.

  4. Towards completion

    We explain your offer and support the mortgage process. Your conveyancer handles the legal work.

An agreement in principle is not a mortgage offer. Lending decisions and timescales depend on the lender, property and your circumstances.

Why choose VSure?

Your first home.
Clearer advice.

Understand your budget, compare suitable mortgages and get support with your application.

Illustrative photograph of a couple settling into a new home
For the place you will call home.

  • A realistic starting point.

    Advice shaped around your deposit, income and commitments.

  • The full picture.

    Suitable products from our panel, with rates, fees and features explained.

  • Support with the details.

    Help preparing your application and handling lender queries.

Meet our advisers
More about our advice and support

A headline rate is only part of the picture. Our recommendation considers your circumstances, the costs and the features that matter to you.

Understand. Your income, deposit, commitments, plans and preferences set the starting point.

Assess. We consider affordability and lender criteria to identify options relevant to your circumstances.

Compare. We look at repayments, fees, deal periods and flexibility across suitable products from our panel.

Explain. We explain the reasons, trade-offs and conditions so you can make an informed decision.

  • Deposit and affordability
  • Repayments and buying costs
  • Mortgage types and features
  • Relevant buying schemes
  • Documents and deposit evidence
  • Application support

Client experience

What our clients say.

Excerpts from public mortgage client reviews of VSure.

The experience was outstanding from start to finish.
josna mentoTrustpilot · 15 August 2025Read the full review
Their team was highly professional, helpful, and supportive throughout our home buying journey.
Bibin P OTrustpilot · 17 December 2025Read Bibin P O’s full review

Frequently asked questions

Your questions, answered.

A few practical points before your first mortgage conversation.

Explore our calculators
How does a mortgage work?

A mortgage is a loan secured against a property. Before you apply, it helps to understand how your deposit, income, existing commitments and the property can affect the options available. We help you consider the full cost and the lender’s requirements.

How do my deposit and income affect my options?

Your deposit is part of the purchase price you pay from your own funds. The lender assesses your circumstances and the property before deciding what it can offer. We help you review what you have saved, your income and commitments, and suitable options from our panel.

What costs should I consider beyond the deposit?

Consider the monthly repayment alongside legal fees, surveys, moving costs and any applicable property tax or mortgage fees. Fixed and variable rate arrangements work differently; we explain the costs, features and conditions of suitable choices before you decide.

What documents will I need?

You will usually need evidence of your identity, income, spending commitments and deposit. Requirements depend on your employment and circumstances, including whether any deposit is a gift. We explain the information needed for your application and help with lender queries.

When will you explain your advice fees?

We discuss the support you need and explain any applicable advice fees during your first conversation, before you decide to proceed.

Can I enquire before I have found a property?

You can enquire while you are still saving or already viewing. We can discuss your plans and help you understand the decisions ahead.

Is an agreement in principle a mortgage offer?

An agreement in principle is not a mortgage offer. Lending decisions and timescales depend on the lender, property and your circumstances.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Mortgage availability is subject to eligibility, lender criteria and assessment of your circumstances.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.    VSure Financial Ltd is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Approved by The Openwork Partnership on XX/XX/2026.