A mortgage is a big commitment so it’s important that you know how it works, how much you can borrow and to be sure you can afford it. The time spent planning and buying your first home is an exciting time, so get it right.


With over 60 lenders we offer a huge choice of mortgages for First Time Buyers, with options such as:


The government’s Help to Buy scheme 


Guarantor Mortgages 


Shared Ownership Mortgages 


95% mortgages requiring only a 5% deposit.


With so much choice, taking that first step onto the property ladder might be easier than you think.


Because there is so much choice, when you apply through us not only will we look for the best deals, we’ll use our knowledge and experience to know which lenders you will qualify for, saving time and possible disappointment.

Can I sort out a mortgage before finding my new home?​

Yes you can. You can get an “agreement in principle” without actually having a property in mind. This sort of agreement comes with a time limit, but when you are ready does allow you to go house hunting with the confidence that you should have your mortgage.


Having obtained an agreement in principle means you have passed a credit score and, subject to all additional supporting information and documents checking out, you will know you should get your mortgage and how much you can borrow.


And then, when you have found your dream property, simply ask your mortgage advisor to convert your agreement in principle into a full mortgage application.


McCoy Mortgages is happy to give advice and apply for decisions in principle on behalf of both existing and new clients at no charge.


So, what exactly is a mortgage? See our mortgage guide BELOW