Greater London · First Time Buyer Specialist

First Time Buyer Mortgage Adviser in Croydon

Helping first time buyers purchase in Croydon — from agreement in principle through to keys in hand. Independent, whole-of-market advice.

£400,000
Average property price
£20,000
Minimum 5% deposit
90+
Lenders compared
Get Free First Time Buyer AdviceCall 0844 884 9748

Buying your first home in Croydon

Croydon is one of south London's most accessible boroughs with fast trains to central London and good value for money. The regeneration of central Croydon has renewed interest from investors and first-time buyers. Mortgage advice in Croydon often involves navigating new-build schemes and affordable housing options alongside standard purchases.

First-time buyers, buy-to-let investors, and commuters using fast trains to London Bridge and Victoria.

As an independent whole-of-market adviser, we compare 90+ lenders — including those not available direct to the public — to find mortgage products that work for your deposit, income, and the property type you're purchasing in Croydon. With average prices of £400,000, we ensure you approach every viewing with a firm agreement in principle in place.

How we help Croydon first time buyers

  • Agreement in principle — ready to make offers
  • Stamp Duty relief for first time buyers
  • Shared Ownership mortgage advice
  • Lifetime ISA and Help to Buy integration
  • New build and off-plan purchase advice
  • Full cost breakdown before you commit
  • Solicitor referrals and survey guidance
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First time buyer FAQs for Croydon

How much deposit do I need to buy in Croydon?
Most lenders require a minimum 5% deposit, which on Croydon's average property price of £400,000 equates to approximately £20,000. A 10% deposit (around £40,000) gives access to more lenders and more competitive rates. We help you identify the right deposit level and lenders for your specific circumstances.
Is Shared Ownership available in Croydon?
Shared Ownership schemes are available across many parts of Croydon and can significantly reduce the deposit and mortgage required to get on the property ladder. We advise on Shared Ownership mortgages alongside standard mortgages so you can make an informed comparison of both routes before deciding.
Can I use a Lifetime ISA to buy in Croydon?
Yes, a Lifetime ISA adds a 25% government bonus on up to £4,000 saved per year and can be used on properties up to £450,000. Some properties in Croydon exceed this limit, so we help you plan your savings strategy alongside your mortgage search to ensure your LISA and mortgage timeline align.
What costs beyond the deposit should I budget for in Croydon?
Beyond your deposit budget for Stamp Duty Land Tax (first time buyers receive relief on purchases up to £500,000), solicitor and conveyancing fees (typically £1,500–£3,000), survey costs (£400–£1,500), mortgage arrangement fees if applicable, and removal costs. We provide a full cost breakdown during your initial advice session.

Ready to buy your first home in Croydon?

Free initial consultation. We respond within 2 hours.

Get Free AdviceCall 0844 884 9748

Your home may be repossessed if you do not keep up repayments on your mortgage.