Habito
Log in
Get started

Looking for your first mortgage?

We're here to help. See how much you could borrow, read about first time buyer mortgages and get free, fast advice.
Use our first time buyer mortgage calculator to find out how much you could borrow.

Your income (including partner).

Your income per year, in GBP.

£
(Optional) Got a property price in mind? See what you need to save.

The property price you're aiming for

£

When you're aiming to buy

Calculate

What would you like to do next?

COMPLETED

See what you can borrow

See what you can borrow, what your mortgage payments would be, and get an idea of fees.

RECOMMENDED NEXT STEP

Compare mortgage rates

See the total cost of different mortgages using our comparison tool.

Use the comparison tool

Mortgages Explained

Learn everything you need to know about mortgages, jargon free.

Mortgage in principle

You can take this certificate to your estate agent to help you buy. Learn more and get yours in 10 minutes.

Expert mortgage advice

Tell us a bit more about you, then chat with a fully-qualified mortgage expert to get free personalised mortgage advice.

Ready to apply?

If you've had an offer accepted, start your mortgage application now.

Popular articles for first time buyers

Stamp duty relief for first time buyers

When you buy a home, you usually have to pay a tax on it called stamp duty. But not if you're buying for the first time.

Help to buy and shared ownership

A small deposit doesn't mean you can't buy. With help from the government, you could dramatically lower your costs.

First time buyer schemes

Offers and support to help you save money and find the best rates you can.

4 top tips for first time buyers

Do your sums. Be flexible. Get your documents ready. And remember - you don't have to do it alone.

How to save for your deposit?

A few tips to help you save up - plus a few other costs to think about.

Get credit ready

See your score, and learn how to improve it.

Wow! The team at Habito have gone above and beyond in helping me get a mortgage. As a first time buyer, it's a daunting process, but I felt really comfortable throughout.

Sar, April 2019

Habito expert

Teddy, Habito mortgage expert

Your own personal mortgage broker

After you sign up, you'll get a Habito mortgage expert. They'll be online and on the phone whenever you need them, and by your side the whole way.

  • Check markAnswer all your questions, big and small
  • Check markFinding you the very best mortgage deal
  • Check markApply for your mortgage, take care of your paperwork and talk to lenders for you
  • Check markMaking this whole mortgage thing easy

Teddy has been as responsive, well-informed and charming to deal with as I could have hoped. No question too much trouble, making time to respond even over the bank holiday weekend, and genuinely seeming to care.

Richard, May 2019

Ready to apply for a mortgage?

Get started now

More about first time buyer mortgages

When it comes to mortgages, there’s no such thing as a silly question. You might like to start with: What is a mortgage? Then explore more articles and guides:

First time buyer mortgages explained

What are the different types of mortgages?

How much deposit do I need to buy a house?

Mortgage in principle explained

Which loan is best for first time buyers?

See all our mortgage guides