Get the right mortgage for your first home.
We guide first-time buyers through every step of the mortgage process – with expert advice, personal support, and access to market wide deals.
We’ll help you:
Understand what you can afford
Explore deposit options, including gifted funds and Help to Buy
Find a mortgage that suits your budget and future plans
Get approved — even if you’re self-employed or have a limited credit history
HELPING YOU BUY YOUR FIRST HOME
Exciting — and a little overwhelming. We make it feel manageable.
Buying your first home is exciting — but it can also feel overwhelming. At Cloud Mortgage Services, we help first-time buyers feel informed, confident, and supported. Unlike many online mortgage platforms, we provide independent, FCA-authorised advice. That means we don’t just search deals — we explain what’s best for your personal situation, and why.
FIRST-TIME BUYER QUESTIONS
How much deposit do I need?
Most lenders require at least 5%–10% of the property value. We’ll help you understand your options, including gifted deposits and government schemes.
Can I get a mortgage with little or no credit history?
Yes — we work with lenders who specialise in first-time buyers, even if you have minimal credit history or are newly employed.
What documents will I need?
Typically: proof of ID, latest bank statements, income (payslips or tax returns), and deposit proof. We’ll guide you through exactly what’s needed.
Ready to get started?
Tell us about your plans — it starts with a few questions and a free conversation.
Your home may be repossessed if you do not keep up repayments on your mortgage.