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Helping first time buyers in Croydon. Mortgages are significant financial commitments, and so starting the process can be daunting for those in Croydon looking to buy their first home. As we provide specialist mortgage advice in Croydon, our job is to reduce your stress levels and support you through the entire mortgage process.
It’s not only about the mortgage; it’s about the journey to get there. We will do our best to make things easier, keeping you up to date at all times. You’ll have a mortgage broker in Croydon at your side from start to finish. Get Started!
How much deposit do I need for a first time buyer mortgage in Croydon? This is dependent on your credit score as well as the size of your desired monthly mortgage payments.
As a mortgage broker in Croydon, I typically find that first time buyers who have a good credit score have access to far better rates and can put down a smaller deposit – perhaps 5%.
In contrast, if you are a first time buyer in Croydon with a lower credit score, you may only be able to access lower rates and be expected to put down a bigger deposit – in the region of 10-15%.
You may also wish to put down a larger deposit if you want to reduce your monthly repayments. The less you borrow, the less you have to pay back in total.
The amount of deposit you put down will also be influenced by the value of the property you buy. If you need a larger mortgage for a more expensive property, you will need to put down more deposit.
If you are struggling to amass sufficient funds for the necessary deposit, there are various government-backed mortgage schemes that could help you on the path to homeownership. These initiatives were designed to make it easier for first-time buyers to get a foot on the property ladder.
Examples of these include the Help to Buy Shared Ownership Scheme, Mortgage Guarantee Scheme, First Home Scheme, and several others. However, you would need to meet the criteria before being accepted onto any of them. That’s where an experienced mortgage broker in Croydon could lend a hand.
If you require first-time buyer mortgage advice in Croydon, why not book a free initial appointment and discuss the government mortgage schemes with an experienced mortgage advisor in London?
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
195 5 Star Reviews
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
It’s always advised to seek advice from a mortgage broker in Croydon if you are looking to buy your first home. They will be able to assess your individual circumstances and help you understand the options available to you.
Your mortgage broker in Croydon will provide a personalised service, helping you to make an informed decision when it comes to choosing the right mortgage product. They will also keep you updated with any changes in the market which could affect your decision.
At Londonmoneyman, we provide the complete mortgage solution for first-time buyers. Our experienced team of mortgage brokers and advisors are here to assist you every step of the way.
At Londonmoneyman, we search 1000s of first time buyer mortgage products to find the most appropriate deal for you!
We pledge to get your mortgage deal in principle within 24 hours of your free initial consultation. This can be a great asset to back up any offers you are making in Croydon.
Londonmoneyman provides the complete mortgage service for first-time home buyers. We have an experienced team of mortgage brokers and advisors who are here to support you at every stage of the process.
Once your offer has been accepted, your mortgage broker in Croydon will submit your complete mortgage application and pass on all paperwork to the lender.
Your devoted case manager will stay in touch with you throughout the process until you get your official mortgage offer and complete your purchase.
At our company, we are committed to providing you with the most suitable service. If you’re looking for a mortgage broker in Croydon, look no further.
Our team of experienced brokers and advisors are here to provide you with the best advice and to ensure you find the right mortgage for you.
We have some great customer reviews from other first-time buyers in Croydon who sought out our mortgage advice in the area. These reviews are a great representation of the level of service we provide. If you’re booking a free initial mortgage appointment, take a look to see what our customers have said and how we can help you too!
We are an experienced mortgage advisor in Croydon, and we strive to provide an open and honest service. We have access to a wide range of competitive mortgage products and will work to find the one that best meets your individual needs. Our panel of lenders allows us to provide you with the most suitable option.
Our team of experienced mortgage brokers in Croydon are here to help you. We will provide you with a personalised mortgage advice service. We will guide you through the process and help you make the right decisions. As a first time buyer in Croydon, you can trust us to provide you with impartial advice and support.
We understand the stresses and strains of buying your first home. That’s why we strive to make the process as smooth and stress-free as possible. We will take the time to get to know you and your needs and develop a tailored plan to suit you. Our mortgage advisors in Croydon will be available to answer any questions you may have and provide helpful advice.
Our team are available 7 days a week, including bank holidays and weekends, so first time buyers in Croydon can arrange a meeting with a mortgage broker at a time that is suitable for them, even out of normal hours! This ensures that customers can access advice from a knowledgeable advisor without having to take time away from their daily lives.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
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Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
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