Hearthstone Mortgages is a 5-star rated First Time Buyer Mortgages broker in Gerrards Cross, Buckinghamshire

First Time Buyer Mortgage Advice in Gerrards Cross

Getting on the property ladder can feel overwhelming, but with the right first time buyer mortgage advice and deposit assistance, your first home is within reach. Speak to our first time buyer mortgage specialists today.

Speak to us

Call 01753 463391 or just pop in your details below and one of our expert mortgage advisers will personally reach out to help you take the first step.

Here's What Our Clients Say.

Your First Steps to Homeownership.

At Hearthstone Mortgages we help first time buyers like you navigate your first property purchase with confidence through our specialist first time buyer mortgage service. Based in Gerrards Cross, Hearthstone Mortgages provide straight up honest guidance on deposit requirements, government schemes including Help to Buy and Shared Ownership, plus access to 95% LTV mortgages from leading lenders. Our CeMAP qualified advisors demystify the home buying process, from mortgage in principle through to completion, ensuring you secure the best rates for your circumstances.

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Why clients trust Hearthstone Mortgages.

Mortgages, but not as you know them;

Whole-of-market advice – independent, unrestricted lender access
Same-day agreement in principle – get clarity fast, provided we have your full details
FCCA, MBA, CeMAP & CeRER qualified team – high-level credentials, real experience
Property investors advising property investors – we’ve done it ourselves
Specialists in bridging, development & equity release
Award-winning, highly reviewed – verified 5-star Google ratings
Olympic ambition, real-world results – we aim high, deliver better
Film-producer founded – creative, not corporate
FCA regulated & transparent – compliance meets clarity

Proud to support the Local Community.

We proudly support:

Chalfont Otters Swimming Club – Premier Sponsor.
Beaconsfield Town FC – Main Sponsor.
Wycombe Wanderers FC – Community Partner.
Featured in Bucks Free Press and MSN News.

What our clients think:

First Time Buyer Mortgages FAQs.

What salary do I need for a £300k mortgage in the UK?

As a general rule, UK lenders will typically advance around 4 to 4.5 times your annual income when assessing what you might borrow for a mortgage. That means if you’re aiming for a £300,000 mortgage, you’d likely need an income in the region of £67,000–£75,000 (300 ÷ 4.5 ≈ £66,700). At Hearthstone Advisory Limited we always remind first-time buyers this is a rule of thumb — your actual income requirement may be higher or lower depending on deposit size, other debts, credit score and lender criteria.

Is £30k salary enough to buy a house?

Yes - a salary of £30,000 can be sufficient to get on the property ladder, but it will depend on the value of the home, deposit amount and borrowing multiple. For example, borrowing 4.5× income would give about £135,000 on a £30,000 salary. At Hearthstone Mortgages we work through affordability calculators with you, taking into account monthly outgoings, interest rate stress tests and deposit size to see what is feasible, it’s not simply about minimum salary.

Do first-time buyers get 50% off?

No, the notion of “50% off” for first-time buyers is misleading. While first-time buyers in England may benefit from stamp duty relief on properties up to a certain value (for example no Stamp Duty Land Tax on homes up to £300,000) and there are special government-schemes (eg First Homes Scheme) these are not blanket 50% discounts across the board. At Hearthstone we explain clearly which schemes you may qualify for and how these impact affordability and choice.

How much mortgage can a first-time buyer get?

Typically lenders will allow first-time buyers to borrow around 4 to 4.5 times their income as a starting benchmark. Some lenders may offer higher multiples (5× or more) in specific circumstances, for example high deposit, strong credit or professional income. At Hearthstone Mortgages we assess each case individually: income, outgoings, deposit size, property value, and then guide you on credible borrowing scenarios so you know roughly what size of home you can aim for.

Local Market Insight For Gerrards Cross

Average property price in Gerrards Cross: £1,180,270
Detached properties sold for an average of £1,621,260
Semi-detached properties averaged £886,000
Flats fetched an average of £596,950
Prices were 2% up on the previous year and 14% below the 2022 peak of £1,366,669

Source: Rightmove Market Trends, Gerrards Cross.

Meet the Hearthstone Mortgages Team.

The Hearthstone Mortgages team is based in Gerrards Cross and supports clients across Buckinghamshire and West Sussex with clear, whole-of-market mortgage advice.