Get on the property ladder sooner with mortgage options that require a lower deposit. We help you find lenders offering flexible solutions tailored to your budget.
Services
Expert First-Time Buyer Support
Access exclusive low-deposit first home loan rates and government-backed first home buyer program options. Rainstone money helps you bridge the affordability gap and get the keys to your first home sooner.
Protect Your Property
What is a First-Time Buyer Mortgage?
A first-time buyer mortgage is a home loan designed for those purchasing their first property. It often features lower deposit requirements and access to specific government incentives.
As a whole-of-market broker, Rainstone Money helps you navigate these unique criteria to find a lender that says “yes” when high-street banks might hesitate.
Lower Deposit Options
Stamp Duty Benefits
First-time home buyer (UK) relief applies to properties up to £500,000. You pay 0% tax on the first £300,000, potentially saving you thousands compared to a standard home mover.
Access to Government Schemes
Qualify for a first home buyer program like Shared Ownership or the First Homes Scheme (offering up to 50% discounts).
Incentives and Cashback
To help with moving costs, many lenders provide “first-timer” perks, including cashback on completion, free basic valuations, or waived arrangement fees.
AWARDS
Your Fast-Track to Homeownership
Is a First-Time Buyer Mortgage Right for You?
A first-time buyer mortgage can help you step onto the property ladder with confidence, even if you have a smaller deposit. It’s designed to suit new buyers, offering competitive rates and tailored support. At Rainstone Money, we guide you through your options to find the mortgage that fits your goals.
The Path to Completion
Beyond the Deposit: What Else Should You Budget
For?
Conveyancing & Legal Fees
Raisntone helps you find specialist solicitors tailored to the UK first-time homebuyer market. These professionals handle the land registry and contract exchange required for your first home loan.
Property Surveys (RICS)
A professional RICS survey identifies structural issues before you are legally committed to your first home loan. This gives you the power to negotiate the price or walk away if the property doesn’t meet the standards of their lender.
Mortgage Protection & Insurance
Lenders always mandate that building insurance is active from the moment you exchange contracts. Rainstone Money helps you set this up to ensure your home loan is protected.
Moving & Setup Costs
Beyond the deposit for your first home loan, we suggest setting aside a contingency fund of 1–3%. This covers the “Day 1” expenses every first-time home buyer UK faces, from van hire and broadband connection to those essential first pieces of furniture.
Diverse Funding For Every Lot
Navigating Your First Home Purchase
With Rainstone Money, you gain access to expert advice, exclusive lender options, and a thorough process designed to remove stress from buying a home.
Credit Profile Optimisation
We review and refine your credit file before you apply, preventing the “instant declines” many first-time homebuyers in the UK face.
Affordability Maximisation
Our brokers look beyond basic calculators to restructure commitments, ensuring you secure the highest possible first home loan.
Application Management
We handle the complex paperwork and lender negotiations, guiding you through every stage of the first-homebuyer program.
Mortgage Features for New Buyers
Rainstone leverages modern lending features and government-backed guarantees to ensure your first home loan is both affordable and sustainable.
Flexible Affordability Assessments
Rather than relying solely on rigid income multiples, Rainstone works with lenders who take a broader view of your financial profile. This includes your career trajectory, future earning potential, and overall financial stability, helping first-time buyers access a realistic and responsible borrowing amount.
The "Freedom to Buy" Guarantee
This permanent 2026 government feature allows you to secure a home with just a 5% deposit. It removes the “deposit barrier,” enabling you to stop renting years sooner by using a state-backed safety net for your lender.
Why us?
"Freedom to Buy"
schemes
Find exclusive first-time buyer incentives, including 6x income multiples and £0 Stamp Duty products