How much deposit do I need for a first mortgage?

Minimum 5% deposit with schemes like Deposit Unlock, but 10-15% gets better rates. A 20%+ deposit unlocks the lowest mortgage rates available.

Should I use a mortgage broker or go direct?

Brokers like Habito and L&C search the whole market for free, often finding better deals than going direct. Some exclusive deals are only available through brokers.

Fixed or variable rate mortgage — which is better?

Fixed rates give payment certainty for 2-5 years. Variable/tracker rates can be cheaper but carry the risk of rate rises. Most first-time buyers choose fixed for security.

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🏡 Habito📞 L&C📱 Trussle🔴 HSBC🧙 Mojo

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Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing debts against your home.

Visit Provider — Get Your Quote

Habito

★

Free whole-of-market mortgage advice, 24/7 online.

Best Online BrokerVisit Habito →

L&C Mortgages

UK's largest fee-free mortgage broker.

Most EstablishedVisit L&C →

Trussle

Best online tracking dashboard with automatic remortgage alerts.

Best TechVisit Trussle →

HSBC

Competitive direct rates with branch support.

Best Direct LenderVisit HSBC →

Mojo Mortgages

AI-powered broker with instant recommendations and fee-free advice.

Best AI BrokerVisit Mojo →

Sento is an independent comparison service. We may receive a commission if you apply via our links. This does not affect our editorial independence. Always read the terms and conditions before applying for any financial product.

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