Personal | Intermediaries Menu Welcome, first-time buyers. You’re in safe hands. We’re here to help you find the right mortgage Get a Quote First-time buyers Stepping onto the property ladder for the first-time can be both an exciting and also fraught time. Fluent is here to advise you throughout the whole process from start to finish. With Fluent’s experience, in-depth knowledge in the mortgage market and with our well maintained working partnerships, our customers are always in safe hands. The expert advisors at Fluent will walk first-time buyers through the entire process and help them understand how much can be borrowed and completely handle the final mortgage application from start to finish which you can monitor through our app. A mortgage is probably one of the biggest financial commitments you’ll make, so make sure you’ve got a Fluent adviser on the case to find the best deal for you. Why choose Fluent Money for a mortgage? No obligation quote and call You can borrow up to 95% of the value of your new home Varying terms from 5 – 35 years Straightforward and clear application process Low rates dependant on circumstances How much could you borrow? Where to start when it comes to your budget? The Fluent Money Mortgage affordability calculator will show you how much you could borrow. Simply by entering a few simple details, you will receive a clearer picture of the current market. FAQs How does a mortgage work? How much deposit do I need? What is stamp duty? What are good ways to save towards a first home deposit? Can I use the Help to Buy scheme? Why choose Fluent Money? We’re 5 star TrustPilot rated Find out what our customers say about us We’re friendly UK-based loan experts You’ll be assigned a dedicated case manager to help deal with your application from beginning to end We’ll keep you in the picture You can check your application and loan progress 24/7 with our industry-leading smartphone app We present you with options, not problems Our many years’ experience means our friendly experts know how to find the right loan for you Arrange a free no obligation chat Let us know some of your details on our contact form and our team of experienced mortgage advisers will give you a free advice call. Get a Quote Why our customers recommend Fluent Money We’re one of the UK’s favourite finance brokers. Don’t believe us? See what our customers have to say: How We Can Help Mortgages Secured Loans Insurance Bridging Unsecured Loans About Us Who We Are Meet the Team Directors CSR Policy Legal Information Contact Get in Touch How to Complain Useful Links Careers Data Protection & Your Privacy Terms & Conditions Cookie Policy THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. THE ACTUAL RATE AND FEES CHARGED WILL DEPEND UPON YOUR CIRCUMSTANCES. ASK FOR A PERSONALISED ILLUSTRATION. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. Fluent Money is a trading style of Fluent Mortgages Ltd, registered in England and Wales. Company Registration No. 5962939. Registered Office: 102 Rivington House, Chorley New Road, Horwich, Bolton BL6 5UE. Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 458914. See www.fca.org.uk. We are a credit broker, not a lender. © 2021 Fluent Money. All rights reserved. We use cookies on our website. If you would like to learn more about the how we use the cookies please click the Cookie Policy button. If you are happy to use the cookies please click OK.OKCookie Policy