FIRST-TIME BUYER MORTGAGES IN OLDHAM & GREATER MANCHESTER
Buying your first home is a big deal, so it helps to have a local broker in your corner who actually knows you by name and picks up the phone. That’s us. We’ll help you onto the ladder, even if you’ve only a small deposit, or none saved yet.
or give us a ring on 0161 612 8840
THE THINGS WORTH KNOWING BEFORE YOU START
A quick, honest rundown of what actually matters, including the bits people tend to find out too late.
What can you actually borrow?
It's rarely just three-and-a-bit times your wage. We know the lenders who'll look at your full picture and stretch a bit further.
What it really costs
Deposit, stamp duty, solicitors, surveys. We'll lay it all out early so nothing lands as a nasty surprise.
Deposit worries? Let's talk
Small deposit, gifted deposit, or none at all, there are more ways onto the ladder than most people realise.
Keeping your new home safe
Once you've got the keys, it's worth making sure you can keep them. We'll mention your options, only if you want us to.
A LOCAL BROKER WHO’S ACTUALLY ON THE END OF THE PHONE
Buying your first home can feel like a lot: solicitors, surveys, deposits, forms you’ve never seen before, and everyone expecting you to already know how it works. You don’t need to. That’s our job.
We’re Trust Mortgage, based in Oldham and looking after first-time buyers right across Greater Manchester. In 18+ years, we’ve built the firm on people coming back and referring their friends to us. Why? Because you get a real person who explains things plainly, never makes you feel silly for asking a question, and doesn’t clock off at five. And as a whole-of-market broker, we’re not tied to one bank: we search nearly every mortgage going to find the one that genuinely suits you, not just the deal you’d have walked into on your own.
SMALL DEPOSIT OR NONE AT ALL?
You might have more options than you think
For most first-time buyers, the deposit is the big worry. But putting away a huge lump sum isn’t the only way in. Depending on your situation, some of the routes we may be able to help with include:
Low-deposit mortgages – plenty of lenders will consider deposits as low as 5%.
No-deposit and 100% mortgages – a handful of lenders offer mortgages with no deposit at all for buyers who meet their criteria, often where you have a good record of paying your rent on time.
Using your rent to show you’re good for it – some lenders will treat a solid history of rent payments as proof you can handle a mortgage, which can really help if you’ve been renting reliably for a while.
Gifted deposits – if a family member (or, in some cases, a landlord selling to you) can gift some or all of your deposit, we’ll find the lenders who are happy with that.
Family-assisted mortgages – some lenders let a relative add some savings into a linked account for a set time as security, so you don’t need a big deposit of your own.
Borrowing your deposit – in certain cases, one or two lenders will consider a deposit funded by a loan. It’s not right for everyone, and we’ll be straight with you about whether it stacks up for you.
Not sure which of these you’d fit?Â
No problem, that’s exactly what a quick chat is for. We’ll tell you honestly what’s realistic.
WHAT WORKING WITH TRUST MORTGAGE LOOKS LIKE
A proper chat to kick things off
Tell us where you're up to, your plans, your budget, whatever's on your mind. It's free, and there's no pressure to go ahead.
Let's see where you stand
We'll look at what you can borrow, your credit position and your deposit options, and sort out an Agreement in Principle so you know your numbers.
We go and find your mortgage
We search nearly the whole market and come back with the deal that fits you best, explained in simple terms.
Protection, only if you want it
We'll have an honest chat about keeping your home and family protected. It's entirely optional, and there's never any pushiness.
We handle the application
The paperwork, the lender chasing, the back-and-forth, we take that off your plate and keep you posted the whole way.
And we stick around
Even once you're in, we're still here, for your next move, a remortgage down the line, or a quick question whenever one crops up.
WHY FIRST-TIME BUYERS PICK US
We’re local – based in Oldham, working right across Greater Manchester. We know the area and the market.
We know the tricky cases – self-employed, income that isn’t straightforward, or a few bumps in your credit history? There may still be a way, and we’ll tell you straight.
Whole-of-market – we search nearly every mortgage going, including lenders you can’t just walk up to yourself.
A real, personal service – a direct line to your adviser by phone, Zoom, Teams or in person, and we don’t clock off on the dot.
With you for the journey – 18+ years at it, and we stay in touch long after you’ve got the keys.
FIRST TIME BUYER QUESTIONS, ANSWERED
Can I really buy with no deposit?
For some people, yes. A small number of lenders offer no-deposit and 100% mortgages under certain conditions, often where you have a good history of
paying rent. Whether it works for you depends on your circumstances, and we’re happy to check.
How much deposit do I actually need?
Many lenders look for around 5%, but there are lower- and no-deposit options for those who qualify, plus gifted and family-assisted options. The honest answer is: it depends on you, so let’s have a look together.
Can I get a mortgage if my credit's not perfect?
Quite possibly. A few missed payments or past problems don’t automatically rule you out, some lenders specialise in exactly this. We’ll be honest with you about what’s realistic.
How long does it take to buy your first home?
It varies with the property and the chain, but from having an offer accepted to getting the keys is often somewhere around 8–12 weeks. We’ll keep things moving and keep you in the loop throughout.
What's a gifted deposit?
It’s money towards your deposit that’s given to you, not lent, usually by a family member, and in some cases, a landlord selling to you. Lots of lenders accept it; we’ll help you tick their boxes.
READY TO MAKE A START?
Book a free, no-obligation chat, and we’ll tell you honestly where you stand, and how to get from renting to your own front door.
0161 612 8840 | enquiries@trustmortgage.uk