First Time Buyers

First-time Buyers

Buying your first home is one of the biggest decisions you'll ever make. It can feel like a lot: saving for a deposit, understanding affordability, choosing the right mortgage from hundreds of options, and navigating a process you've never been through before. If that sounds familiar, you're not alone — and you're in the right place.

At Pride Protect, we specialise in helping first-time buyers in Hull, Beverley, and across East Yorkshire take that first step with confidence. We take the time to understand your situation properly before we look at a single mortgage deal. That means when we do make a recommendation, it's built around you — not a one-size-fits-all solution.

What does the process actually look like?

We start with a free, no-pressure appointment — face to face or remotely, whichever suits you. We'll go through your income, outgoings, deposit, and goals. From there we search the whole of the market to find the most suitable mortgage for your circumstances. We stay with you right through to completion, keeping you updated and dealing with any bumps along the way so you don't have to.

Most first-time buyers tell us the process felt far less daunting than they expected. That's exactly what we're here for.

How much deposit do I need?

Most lenders ask for a minimum deposit of 5%, though having 10% or more opens up better rates. If saving a full deposit feels out of reach, some lenders are offering some unique first-time buyer products with 0 and £5,000 deposit.

What if my credit history isn't perfect?

Don't let this put you off getting in touch. Many first-time buyers worry about past credit issues, but there are lenders who specialise in exactly these situations. We know which ones to approach and how to present your application in the best possible way.

What about the costs beyond the deposit?

It's important to budget for more than just your deposit. As a first-time buyer you'll also need to factor in solicitor fees, a survey, and potential mortgage arrangement fees. The good news is that first-time buyers in England are currently exempt from Stamp Duty on properties up to £300,000.

Why choose Pride Protect over a comparison website?

Comparison sites show you rates — they can't sit with you and explain what they mean for your monthly budget, your job situation, or your plans for the future. They can't chase your solicitor or call the lender when something needs resolving. We can.

We are whole-of-market advisers, which means we are not tied to any lender or panel. We search the entire market on your behalf, including deals not always available directly to the public. And because we also specialise in protection, we make sure your home and family are covered from day one — not an afterthought.

Don't just take our word for it

Our first-time buyers consistently tell us they felt supported, listened to, and reassured throughout their journey. We're proud to be the adviser many Hull and East Yorkshire buyers recommend to their friends and family when the time comes.

Ready to take the first step?

Book your free initial appointment today — there's no obligation and no jargon. Just a straightforward conversation about what's possible for you.