Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
First Time Buyer
Your First Home, Made Simple
Whole-of-market first-time buyer advice — we help you understand deposits, affordability and the latest deals so you can buy with confidence.
300+
Wealth of lenders in the market
20k+
Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
Buying your first home is exciting — and it can feel overwhelming. From deposits and affordability checks to offers and completion, there are many steps to get right.
Our first-time buyer specialists explain every stage in plain English, search the whole market for suitable deals, and stay with you from enquiry through to completion day.
Whether you are using a Help to Buy-style scheme, gift deposit, or saving hard for a standard deposit, we will show you realistic options and help you move forward with confidence.
Speak to an Expert
Why Choose Us For Your First Home?
- Whole-of-market first-time buyer mortgage search
- Clear guidance on deposits and affordability
- Help with gifted deposits and guarantor options
- Plain-English advice at every step
- Support from enquiry through to completion
- Access to exclusive broker-only deals
- No jargon — just honest, practical advice
How Much Can I Borrow?
Get a quick estimate based on your income — then speak to an adviser for a precise figure.
Estimated Maximum Borrowing
£ 0
Indicative only (typically 4–4.5× income). Final figures depend on credit, outgoings and lender criteria.
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share your deposit, income, preferred area and budget. We will outline realistic borrowing options with no obligation.
02We Compare The Market
Your adviser searches hundreds of lenders for rates, fees and terms that fit first-time buyers like you.
03We Find The Deal
We manage the application, valuation and lender questions so you can focus on finding — and moving into — your first home.
Our Mortgage Services
First-Time Buyer
Buying your first home? We'll guide you through every step — deposit, affordability, offer and completion.
Read More
Remortgage
Save money or release equity when your current deal ends. We'll find your best available rate.
Read More
Moving Home
Porting your existing mortgage or starting fresh — we'll handle the whole process for you.
Read More
Buy to Let
Looking to invest in property? We'll help you find the right buy-to-let mortgage for your portfolio.
Read MoreCommon First-Time Buyer Questions
Many lenders accept deposits from around 5%, though a larger deposit usually means more choice and better rates. We will show you realistic options based on your savings and income.
Yes — many lenders accept gifts from family, provided the donor confirms it is a gift and not a loan. We will explain the paperwork needed early so there are no surprises.
Borrowing depends on income, outgoings, credit history and the deposit. Lenders typically look at income multiples and stress-test repayments. We will run affordability checks across the market for you.
A Decision in Principle (DIP) can strengthen your position when making an offer. We will help you choose the right timing and lender so soft or hard credit searches are used appropriately.
Typically ID, proof of address, payslips or accounts, bank statements and deposit evidence. We provide a tailored checklist so you know exactly what to gather.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
