First-Time Buyer Mortgages in Maidstone

Buying your first home is one of life’s biggest financial decisions — and it can feel overwhelming without the right support. At Mortgage Broker Maidstone, we help first-time buyers across Maidstone, Aylesford, Bearsted, Kings Hill and surrounding Kent areas understand their options and take the next step with confidence.

Whether you’re still saving for a deposit, already have a property in mind, or just want to know how much you could borrow, we’ll connect you with a qualified, FCA-regulated mortgage adviser who specialises in first-time buyer mortgages.

What We Help With

• 📊 Calculating what you can afford based on income, deposit, and credit history
• 🏦 Comparing mortgage types — including fixed-rate, tracker, and 95% LTV deals
• 📄 Guidance through paperwork, lender requirements, and approval processes
• 🔎 Referrals to trusted advisers for regulated mortgage advice tailored to your situation

Types of Mortgages for First-Time Buyers

There’s no one-size-fits-all mortgage — and your ideal product will depend on your income, deposit size, long-term goals, and risk appetite. Some of the most common options we help Maidstone buyers explore include:

• Fixed-rate mortgages – predictable monthly payments for budgeting confidence
• Tracker mortgages – rates that follow the Bank of England base rate
• 95% LTV mortgages – buy with as little as a 5% deposit (subject to criteria)
• Guarantor or family-assisted mortgages – ideal if you’re receiving financial help from parents or relatives
• Shared Ownership and First Homes Scheme – support for those with smaller deposits

Why Choose a Local Mortgage Broker in Maidstone?

Working with a broker who understands the Maidstone market gives you a real edge. The advisers we refer you to understand lender criteria, local house prices, and which deals are most suitable for homes in ME14, ME15, ME16 and nearby areas.

You’ll also avoid hours of online research, complex jargon, and unnecessary stress. Instead, you get clear, honest guidance from someone who’s genuinely on your side.

Next Steps

Still figuring things out? No problem. We offer straightforward support with no pressure and no obligation. You can also:

• 💡 Visit our Mortgage Tips & Guides for first-time buyer advice
• 🧮 Try our Mortgage Calculators to estimate affordability
• 📞 Get in touch for a one-to-one chat with a qualified adviser

Whether you’re buying in Maidstone, relocating to Kent, or just beginning your mortgage journey, we’re here to help make the process smoother — from first enquiry to getting your keys.