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Are you a first time buyer in Guildford looking for a mortgage? Look no further, our team of mortgage advisors in Guildford are here to help. Our team will provide you with excellent advice and service throughout the entire process.
We understand the importance of finding the right mortgage for you. We will take the time to understand your needs and walk you through the different mortgages available, so you can make an informed decision.
Prior to applying for a mortgage it is important to understand the financial commitments involved. As your mortgage broker in Guildford, we will ensure that you make a decision that benefits your personal and financial situation.
We are here to make sure you have all the support and advice you need to get the right mortgage for you. Get in touch with us today and take the first step to owning your dream home.
The amount of deposit you require for a first time buyer mortgage in Guildford depends on a couple of factors. Your credit score and how much you wish to pay monthly in mortgage payments are the most important considerations.
As a mortgage broker in Guildford, we typically find that those with a good credit score can access better rates and put down a lower deposit, usually 5%. On the other hand, if your credit score is lower, you’ll likely have to put down a higher deposit of 10-15% to access a mortgage.
You may also want to put down a larger deposit if you want to reduce your monthly mortgage payments. The less you borrow, the less you have to repay overall.
The amount of deposit you will need to put down will also depend on the cost of the property you buy. If you require a larger mortgage for a more expensive property, you will have to put down a larger deposit.
If you’re looking to take your first step onto the property ladder but don’t have enough saved up for the minimum deposit, there are government mortgage schemes that could help you out. These schemes were designed to help first time buyers like you, get onto the property ladder.
From the Help to Buy Shared Ownership Scheme to the Mortgage Guarantee Scheme and the First Home Scheme, there are a number of options available. To assess your eligibility for these schemes, you should get advice from a knowledgeable mortgage broker in Guildford.
If you’re a first time buyer in Guildford and need mortgage advice, you should book your free initial appointment with one of our mortgage advisors in Guildford. Our team of experienced professionals will be able to provide you with the support and guidance needed to make the most appropriate decision for you.
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.
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190 5 Star Reviews
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
Abdul khaliq Mayar
I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.
11 May 2026
Flc
Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!
5 May 2026
William Thompson
I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me
29 Apr 2026
Yasir Noori
The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application
16 Apr 2026
Janiene Walton
Great service, very professional and I felt my adviser really was interested in helping me get the best deal for a repayment mortgage for my age group.
29 Mar 2026
If you are a first time buyer, we would recommend getting expert mortgage advice in Guildford so that you can journey through your process with ease.
Our mortgage advisors in Guildford are experienced and knowledgeable and will provide you with tailored advice and guidance.
During your free initial appointment, your broker in Guildford will take key information surrounding your income and expenditure to work out the maximum amount you can borrow for a first time buyer mortgage in Guildford.
We will also be able to arrange an agreement in principle on your behalf so that you support any offers that you make on a property.
Your mortgage advisor in Guildford will now be able to go away and find the perfect mortgage product for you! They will factor in your personal and financial situation so that you are getting a deal that suits your individual requirements.
We are open and honest with you throughout the whole process, making sure that the advice that you get is beneficial to you and your circumstances.
If you are happy with the deal that your mortgage advisor in Guildford has found you, we can begin preparing your mortgage application.
From here, you will be assigned a case manager to help you prepare the necessary documents to support your mortgage application. Once you are happy and we are happy, we can send it off to the lender!
It is now just a waiting game!
Are you a first time buyer in Guildford looking for expert mortgage advice? Our experienced mortgage advisors in Guildford are on hand to answer all of your mortgage questions and queries.
We have helped many first time buyers in Guildford secure the perfect mortgage. Our customers have been delighted with the service we have provided, leaving us some fantastic reviews.
Our mortgage advisors in Guildford are able to search through 1000s of mortgages in order to find you one most suitable for your personal and financial situation. We have a large panel of mortgage lenders that we can access to find you the perfect first time buyer mortgage product.
We understand that everyone’s financial situation is unique; as an experienced mortgage broker in Guildford, we have helped many first time buyers in Guildford find the most suitable mortgage for their own situation. Whether you are looking for a fixed-rate mortgage or a variable-rate mortgage, we can provide advice and guidance and help you make an informed decision.
We will make sure that the process runs as smoothly as possible, from the initial appointment to completion. We’ll keep you updated throughout the whole process, and will help you to understand all of the stages involved in getting a mortgage.
Our team of mortgage advisors are available seven days a week, including bank holidays and weekends. This means that if you are a first-time buyer in Guildford, you can book an appointment with one of our advisors at a time that is convenient for you – even outside of traditional office hours!
We provide a personalised service tailored to your individual needs, taking the time to understand your individual requirements.
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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