
First Time Buyer
We understand that first-time buyers are faced with a number of challenges such as high property prices, difficulty saving a deposit, not to mention lack of experience in the housing market. That's why we are here to help! We can even provide solutions where you don't require any deposit at all! We can work out how much you can borrow and provide advice on the schemes available.
First Homes Scheme
The First Homes Scheme is designed to help local first-time buyers and key workers get onto the property ladder by offering new-build homes at a discount of 30% to 50% off the market value. The discount stays with the property, meaning future buyers will also benefit – keeping homes affordable in the long term.
To be eligible, you must be a first-time buyer with a household income below £80,000 (or £90,000 in London), and the property must be your primary residence. There are also local eligibility criteria that vary depending on the area, so we can help check if you qualify.

Shared Ownership
Shared Ownership is a part-buy, part-rent scheme that lets you purchase a share of a property (usually between 10% and 75%) and pay rent on the remaining portion. Over time, you can buy more shares in the property through a process known as “staircasing,” eventually owning it outright if you choose.
This option is ideal if you can’t afford to buy a home outright. It can offer lower monthly costs and the flexibility to increase your ownership as your circumstances change. It’s available on new-builds and some resale properties.

No Deposit
If you're a first-time buyer and you’ve been renting for at least 12 of the last 18 months and paying your bills on time, this mortgage could help you buy your first home with no deposit.
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100% mortgage: No deposit required.
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Can't have owned property in last three years.
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Must have 12 months of on-time rent and bill payments in last 18 months.
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No missed payments in the last 6 months.
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Must be aged 21 or over.
A great option if your rent proves you can afford a mortgage but saving a deposit has been the barrier.

£5,000 Deposit
Struggling to save a big deposit? With the £5k Deposit Mortgage, you could get on the property ladder with just £5,000.
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Only £5,000 Deposit Needed
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Borrow up to 99% of the Property Value
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Available on Properties up to £500,000
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Free Valuation & No Arrangement Fees
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5-Year Fixed Rate
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Terms up to 40 Years (ending by age 70)
Perfect for first-time buyers who don’t have access to family help. Both applicants must be first-time buyers.
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Want to see if you qualify?
We’ll guide you through every step. Contact Swift Financial today.
