At Moat Mortgages, we offer expert advice on low-deposit mortgages for first-time buyers, with access to mortgage options that require as little as a 5% deposit.

These mortgages are designed to help buyers who have a stable income, but limited savings take their first step into homeownership.

What are low-deposit mortgages?
Low-deposit or 5% deposit mortgages allow you to borrow a higher percentage of the property’s value, making it possible to buy a home sooner. While these mortgages may have different criteria or interest rates compared to traditional mortgages, the right guidance can help you find a competitive deal that suits your circumstances.

How Moat Mortgages can help.
As experienced mortgage brokers for first-time buyers, we search the market to find the most suitable low-deposit mortgage for you. We take the time to understand your income, monthly outgoings, and plans before making any recommendations.

Affordability is always our priority.
We carefully assess your finances to ensure your mortgage repayments are affordable and sustainable, giving you confidence that your new home fits comfortably within your budget, both now and in the years ahead

We also guide you through the full mortgage process, explaining everything clearly and cutting through the jargon, so you know exactly what to expect at every stage.

Take your first step onto the property ladder.
If saving for a large deposit has been holding you back, a low-deposit mortgage could be the solution. With the right advice, buying your first home may be closer than you think.