First-Time Buyers
The Complete UK First-Time Buyer Guide for 2026
Everything from saving your deposit to exchange of contracts — explained in plain English.
Read Guide →We search thousands of mortgage deals from over 90 lenders in seconds — and our expert advisers are on hand to guide you every step of the way. Completely free of charge.
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Whether you're stepping onto the ladder for the first time, remortgaging to a better deal, or building a portfolio — we've got you covered.
Let us guide you through every step — from stamp duty to completion. No jargon, just clear advice.
Explore →Coming off a fixed rate? Switch to a better deal and potentially save hundreds every month.
Explore →Specialist BTL advisers with access to the whole market — residential and limited company structures.
Explore →Porting your existing deal or taking out a new mortgage — we'll find the right option for your move.
Explore →Sole trader, contractor or director — we know which lenders work best for complex income situations.
Explore →Specialist advice on government schemes and income-boosting mortgages to maximise your buying power.
Explore →Answer a few quick questions online — it takes under 5 minutes and won't affect your credit score.
Our technology instantly scans 90+ lenders and thousands of deals to find your best options.
A dedicated mortgage expert reviews your results, answers questions, and recommends the right deal.
We handle your application, liaise with the lender, and keep you updated until the keys are yours.
Rates updated daily. Representative examples — your personal rate depends on circumstances and lender criteria.
Representative examples only. Your home may be repossessed if you do not keep up repayments on your mortgage. Rates correct as of 01 Apr 2026.
Estimate your monthly payments and see a full amortisation breakdown. This is for illustrative purposes — speak to one of our advisers for a personalised recommendation.
We're not tied to any lender. We search 90+ lenders — including exclusive broker-only deals you won't find on the high street.
You'll be assigned a named adviser who knows your file inside out — reachable by phone, email or video call.
Upload documents, track your application, and receive updates — all through your secure online dashboard.
We don't disappear after completion. We monitor the market and alert you when a better deal becomes available.
We're paid by lenders when your mortgage completes. You'll never pay us a broker fee — guaranteed.
Get a Decision in Principle in minutes — no hard credit check, no obligation. See what you could borrow right now.
"As a first-time buyer I was completely lost. My adviser, Sarah, walked me through everything. We went from enquiry to offer accepted in just 6 weeks. Incredible service."
"Remortgaged after our 2-year fix ended. Mortgage on Tap found us a deal that saved us £280 a month. The whole process was seamless — done entirely online."
"I've got three buy-to-let properties and they handled all three mortgages without any fuss. They know BTL inside out and always get me competitive rates."
We work with the UK's leading banks, building societies and specialist lenders — giving you access to deals you simply won't find elsewhere.
Everything from saving your deposit to exchange of contracts — explained in plain English.
Read Guide →Don't get caught on your lender's expensive Standard Variable Rate. Here's when — and how — to switch.
Read Guide →The essential guide for property investors navigating today's BTL mortgage landscape.
Read Guide →It takes 5 minutes. No credit impact. No fees. No obligation.