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🏡 First-Time Buyer Guidance

Thames Mortgage & Protection

Buying your first home is a major financial decision.

We provide clear, structured advice — tailored to you.

💼 Deposit Strategy

  • • Minimum deposit typically 5%–10%
  • • Larger deposits unlock more competitive rates
  • • Gifted deposits accepted (subject to lender criteria)
  • • Clear source of funds required for compliance

We help you structure your deposit correctly from day one.

🧾 Stamp Duty Planning (England)

  • • First-Time Buyer relief may apply
  • • Reduced rates within qualifying thresholds
  • • Legal fees, valuation & moving costs must be factored in

We ensure there are no surprises at completion.

📊 Borrowing Power (Income Multiples)

  • • Standard lending up to 4.5x income
  • • Selected lenders offer 5x–5.5x (subject to profile)
  • • Affordability, credit conduct & commitments assessed
  • • Self-employed, bonus & overtime reviewed carefully

We match your profile to the right lender — not just the headline rate.

🎁 Gifted Deposit Guidance

  • • Usually from immediate family
  • • Must be non-repayable
  • • Formal declaration required
  • • AML & ID verification applies

Handled smoothly, professionally and fully compliant.

Secure Your Position Early

Before viewing properties, know:

  • How much you can borrow
  • What your monthly payments look like
  • Which lenders suit your profile
  • How to position your application strongly

Book Your Private First-Time Buyer Consultation

Personal, adviser-led guidance from start to completion.

Thames Mortgage & Protection

FCA Regulated • FRN 1045227

Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.