First-time buyer 

Get the right mortgage for your first home – with advice you can trust. We guide first-time buyers through every step of the mortgage process – with expert advice, personal support, and access to market wide deals

Helping you buy your first home

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.

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

Rated 4.9 out of 5

Ready to get started?

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

Let us help you secure your new home in 5 simple steps.

Tell us about yourself
After you click the Get started button, we’ll ask a few questions about your current situation to see how we can help, including:

How much you’re looking to spend on a property
How much you’ve saved as a deposit
Whether you’re looking to buy solo or with someone else
How much you earn (so we can work out what you can borrow)
If you don’t know all the answers, that’s okay. We can fill in any gaps later.

We store all your information securely. Check out ourprivacy policyfor details.

Book a quick chat
We’ll send a link where you can book time to talk about your situation in more detail with one of our mortgage specialists.

On this call, we’ll discuss things like:

How much you can borrow
Costs you need to factor into your deposit
How much your mortgage might cost
It’s important to bring all your income information to this call, including:

Bonuses from the past two years
Self-employed income details for the past two years, like salary, dividends and net profit

Get up and running
Once you’ve found a property, we’ll help you apply for a mortgage, appoint a conveyancer, get the property valued, and complete the sale.

We’ll also monitor interest rates throughout the buying process. If they fall while you’re applying for a mortgage, you can ask the lender to reduce the rate you’ve secured.

Stay on track
Once you’ve bought your new home, we’re here to make sure you’re never paying more than you should.
Enjoy your new home

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