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First time buyers

Unlocking your clients' dream home

Buying a home for the first time is a big milestone, and your clients may feel unsure about where to start.

To help you support your first-time buyer clients, we offer a variety of options and propositions designed to make owning their first home more accessible, with different solutions for your clients’ unique needs and circumstances.

Hear from Laura Mackay at Gail Reid Mortgages about how our £5K Deposit Mortgage helped her first-time buyer clients.

    • The £5K Deposit Mortgage - your clients’ first home, faster - our proposition allows your first-time buyers to purchase a house or flat with just a £5K deposit (excluding new builds)
    • Joint Borrower Sole Proprietor Lending – lets your client add a close family member to the mortgage, without making them a property owner, to help with affordability
    • Cascade Score product range - for clients who don’t meet our higher LTV scorecard but do meet our standard scorecard, this option offers an alternative product range (max 90% LTV for new builds)
    • Up to 95% LTV on standard lending, mortgage terms up to 40 years, free valuations and cashback available on selected products.

A Welcome Gift 

We believe in celebrating milestones, so clients who secure their mortgage with us receive a Welcome Box as a gift from you to them. Just sit back, and we’ll send it to them on your behalf.

Real life examples

Our colleagues tell you more about how our first-time buyer offerings can help your clients.

Accord BDM Charlie Tyler explains how our Cascade Score product range can help your clients

Dan Knight, Accord Underwriting Service Delivery Manager, explains how our £5K Deposit Mortgage works to help your first-time buyer clients

Amanda Townshend, Accord Underwriter, discusses our easy and simple approach to service when placing your first-time buyer application

Take a look at our real-life case studies to see how our common-sense approach has helped your first-time buyer clients 

First-Time-Buyer-Adverse-Credit-Cascade-Score

Single application for a £240,000 purchase price and £216,000 loan amount at 90% LTV with credit blips

 
First-Time-Buyer-With-New-Contract-Employment

Joint application for a purchase price of £250,000 and a loan amount of £190,000 with one first-time buyer who was a newly qualified teacher who didn't have a new role secured yet

First-Time-Buyer-Short-Self-Employed-Record

Single application for a £233,500 purchase price and loan amount of £198,475 who recently changed from employed to self-employed

How to get started