First-time buyer mortgages
Clear advice for your first home.
Enquiry form · No obligation to proceed
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 first conversation
Tell us your plans. We explain the support and any applicable advice fee.
Explore your options
We review your deposit, income and commitments, then explain suitable mortgage options.
Apply with support
We help prepare your application and respond to lender queries.
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.

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.
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.
Their team was highly professional, helpful, and supportive throughout our home buying journey.
Frequently asked questions
Your questions, answered.
A few practical points before your first mortgage conversation.
Explore our calculatorsHow 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.
Let’s talk about your first home.
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.







