First-time buyer mortgage calculator

First home, first mortgage. We'll help you get the keys.

  • ‘Common Sense’ Underwriting
  • 95% Mortgages Available
  • Free No Obligation Advice
  • 5* Service

Discover your borrowing power with NO credit checks, only takes a few minutes!

First-time buyer mortgage calculator

First home, first mortgage. We'll help you get the keys.

  • ‘Common Sense’ Underwriting
  • 95% Mortgages Available
  • Free No Obligation Advice
  • 5* Service

Discover your borrowing power with NO credit checks, only takes a few minutes!

How much could you borrow?

No credit checks here! Simply fill out the information below to get your estimate!

Our first-time buyer mortgage guides

Buying your first home can feel overwhelming, especially with so many options and decisions to make. Our expert guides are here to simplify the process, covering everything from mortgage basics and Shared Ownership to buy-to-let opportunities and navigating bad credit, so you can take your first step with confidence.

8 mins

First-time buyer mortgage guide

Our simple guide covers deposits, repayments, and mortgage types, giving you the knowledge & confidence to take that first step onto the ladder.

3 mins

First-time buyers with bad credit

Having bad credit doesn’t mean home ownership is out of reach; learn how lenders assess applications and ways to improve your approval chances.

4 mins

First-time buyer Shared Ownership

Shared Ownership is designed to make buying more affordable; discover how it works, the eligibility criteria, and the advantages for first-time buyers.

6 mins

Buy-to-let for first-time buyers

If you’re considering property investment as your first purchase, explore how buy-to-let mortgages work, who qualifies, and the potential pros and cons.

Excellent

4.94 based on 152 reviews

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

Read the full review

United Kingdom, 3 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

Read the full review

United Kingdom, 3 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

Read the full review

United Kingdom, 3 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

Read the full review

United Kingdom, 3 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

Read the full review

United Kingdom, 3 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

Read the full review

United Kingdom, 3 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

Read the full review

United Kingdom, 3 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

Read the full review

United Kingdom, 3 months ago

Charmaine

Verified user

Always helpful and responsive. Yasmin always gets us a good deal, and we have been using Just Mortgage Brokers for many years. Easier to deal with then going direct to the lenders. Would highly recommend.

Read the full review

United Kingdom, 3 months ago

Joel

Just Mortgage Brokers are the only place I’ll go for a mortgage or remortgage. Say what they’ll do- and then deliver each time, regardless of your circumstances. Highly recommended.

Read the full review

United Kingdom, 3 months ago