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First Time Buyer Mortgages

Your first home is closer than you think with Greyshore Financial Trust. Competitive rates, expert guidance, and support every step of the way.

5% Deposit Mortgages

Available with our 95% LTV range

Help to Buy

Equity loan scheme available

Free Mortgage Advice

Speak to a Greyshore specialist today

First Time Buyer Mortgages

Choose the right Greyshore mortgage for your first home

⭐ BEST FOR 5% DEPOSIT

95% LTV Mortgage

5.49% APR

Buy your first home with just a 5% deposit with Greyshore. Available for properties up to £600,000.

  • 5% minimum deposit
  • 2, 3, or 5-year fixed rates
  • Free valuation included
  • £500 cashback on completion
Apply Now →
🔥 BEST VALUE

Help to Buy Mortgage

4.99% APR

Combine with the government Help to Buy equity loan scheme through Greyshore.

  • Up to 20% equity loan (40% in London)
  • 5% deposit required
  • 2, 3, or 5-year fixed rates
  • New build properties only
Apply Now →
🏠 SHARED OWNERSHIP

Shared Ownership Mortgage

5.29% APR

Buy a share of your home (25% to 75%) and pay rent on the rest with Greyshore.

  • Buy 25% to 75% of your home
  • 5% deposit on your share
  • Option to buy more shares later
  • Lower monthly payments
Apply Now →

How to Buy Your First Home

Simple steps to homeownership with Greyshore

1

Get a Decision in Principle

Find out how much you could borrow from Greyshore

2

Find Your Home

Start viewing properties

3

Make an Offer

Your offer is accepted

4

Full Mortgage Application

Submit your application with Greyshore

5

Solicitor & Survey

Legal work and property survey

6

Exchange & Complete

Get the keys to your new home!

Greyshore Mortgage Affordability Calculator

You Could Borrow Up To

£0
Estimated Property Price:
£0
Estimated Monthly Payment:
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*This is an estimate from Greyshore. Your actual borrowing amount may vary based on credit score and other factors.

First Time Buyer FAQs

Common questions about buying your first home with Greyshore Financial Trust

Ready to start your journey?

Get a Decision in Principle
How much deposit do I need for a Greyshore mortgage?

You can buy a home with Greyshore using as little as 5% deposit through our 95% LTV mortgages. Larger deposits may give you access to better interest rates.

What is a Decision in Principle with Greyshore?

A Decision in Principle (DIP) is an initial assessment of how much you could borrow from Greyshore. It helps you understand your budget before you start viewing properties.

Can I use a gifted deposit with Greyshore?

Yes, we accept gifted deposits from family members. The donor will need to provide a letter confirming the money is a gift, not a loan.

What government schemes are available through Greyshore?

We offer Help to Buy equity loans, Shared Ownership mortgages, and Lifetime ISAs for first-time buyers. Our Greyshore advisors can help you understand which is right for you.

How long does the Greyshore mortgage process take?

From application to completion typically takes 4-6 weeks. We'll keep you updated throughout the process.

Ready to Buy Your First Home?

Get a Decision in Principle from Greyshore Financial Trust today and start your home-buying journey.

Get a Decision in Principle
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