First-Time Buyer Mortgages
Deposit planning, affordability guidance, lender options and full application support.
Read moreReliance Mortgage is a trusted mortgage broker providing expert mortgage advice across the UK. Whether you are a first-time buyer, remortgaging, or buying an investment property, we compare the market for you and guide you from first conversation to completion — in plain English.
We aim to reply to every enquiry within 48 hours.
Discovery, recommendation, application and ongoing support.
Some lenders accept deposits from 5% — subject to status.
Life, critical illness, income and home & landlord cover.
Deposit planning, affordability guidance, lender options and full application support.
Read moreSwitching deals, securing better rates, or releasing equity (subject to eligibility).
Read moreAdvice for landlords and investors — including rental coverage and affordability checks.
Read moreLife insurance, critical illness cover, income protection and home & landlord insurance.
Read moreOur Process
We begin with a clear understanding of your finances and goals — income, outgoings, deposit and what you want your mortgage to achieve.
We search the market and compare mortgage and financial products suited to your situation, filtered for affordability, flexibility and long-term value. You receive a clear recommendation, fully explained — no jargon, no hidden trade-offs.
We manage the full application on your behalf. Documents are prepared, lenders are coordinated, and progress is tracked to avoid delays. You're guided step by step.
Our role continues after completion. We review your mortgage and financial plan regularly as life changes, markets move, and new opportunities appear.
Pick your situation to see what lenders typically look at and where we help.
Buying your first home feels big. We break it into clear steps so you know your budget, your options and what happens next.
Reaching the end of a fixed or discounted rate? Moving early or later can affect what you pay — we review your options before you drift onto a lender’s standard rate.
Landlords and investors face different checks. We help you understand rental coverage, deposit levels and how to structure your purchase.
A mortgage is likely your biggest commitment. The right cover helps keep your home and your family secure if life doesn’t go to plan.
Figures shown are typical market guidance only, not an offer or a recommendation. Criteria vary by lender and personal circumstances. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Every purchase is different, but this is the path most clients follow with us.
Tell us what you need. We reply within 48 hours.
Day 1–2We review your finances and search the market.
Week 1Documents prepared and application submitted.
Weeks 1–2Valuation, underwriting and your mortgage offer.
Varies by lenderFunds released, keys in hand — and we stay in touch.
Move inWe provide clear, free information on all aspects of the UK mortgage market to help you make informed decisions.
We connect you with expert brokers who specialize in finding the right deals for your unique financial circumstances.
As a modern firm, we offer more than just high-street banks. We connect you with specialist brokers accessing an extensive range of mortgage products across the UK.
Building our reputation through every successful home purchase. We offer the personalized care and attention that only a dedicated, growing firm can provide.
Move the sliders for an instant, illustrative repayment figure. For a full picture, use our calculator or speak to an adviser.
Illustrative only — not a quote or mortgage offer. Rates, fees and eligibility vary. Your home may be repossessed if you do not keep up repayments on a mortgage.
Four principles guide every conversation, recommendation and application — from your first enquiry to the day you get the keys.
We believe in honest, transparent, and ethical business practices.
Constantly pushing boundaries to deliver creative and better results.
Committed to delivering top-tier quality in everything we do.
Working closely with our clients to achieve mutual success.
Let's Work Together
If you're interested in working with us, complete the form with a few details about your enquiry. We'll review your message and get back to you within 48 hours.