--- title: First Time Buyer Mortgages in Coventry & Warwickshire description: Secure your first home in Coventry & Warwickshire. We compare the entire market to find flexible 5% deposit options that match your budget. --- [![Jigsaw Independent Mortgage & Insurance Specialists](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=173&height=85&name=Jigsaw-logo-master-01%20(1).png "Jigsaw Independent Mortgage & Insurance Specialists")](https://www.jims.co.uk/) [![Jigsaw-logo-master-01 (1)](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=173&height=85&name=Jigsaw-logo-master-01%20(1).png "Jigsaw-logo-master-01 (1)")](https://www.jims.co.uk/) - About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - Mortgages - [First Time Buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited Company Directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) - [Homemovers](https://www.jims.co.uk/home-mover-mortgage) - Insurance & protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family Protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) - Resources - [Blog](https://www.jims.co.uk/blog) - [Contact us](https://www.jims.co.uk/contact-us) More results [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKMvF0hOu7VqS4xUuDhN1Usqs2RYlF9vVr3iozBRFOwyb3oDWaxgUrFM9r5MUcDzrc%2BxvSB1BdI6%2B1uFZCub3O0pgkjQj6PZKWCLTRO4JCZvVbYf7kGkK4JboNE26yJyILDSOpysZgil%2FCkQLgJoZf76Qk7yn4Vi10aEYhBhi1WUR%2BX32m87obGADDhY6Lf&webInteractiveContentId=251402243298&portalId=146424792) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKMvF0hOu7VqS4xUuDhN1Usqs2RYlF9vVr3iozBRFOwyb3oDWaxgUrFM9r5MUcDzrc%2BxvSB1BdI6%2B1uFZCub3O0pgkjQj6PZKWCLTRO4JCZvVbYf7kGkK4JboNE26yJyILDSOpysZgil%2FCkQLgJoZf76Qk7yn4Vi10aEYhBhi1WUR%2BX32m87obGADDhY6Lf&webInteractiveContentId=251402243298&portalId=146424792) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKMvF0hOu7VqS4xUuDhN1Usqs2RYlF9vVr3iozBRFOwyb3oDWaxgUrFM9r5MUcDzrc%2BxvSB1BdI6%2B1uFZCub3O0pgkjQj6PZKWCLTRO4JCZvVbYf7kGkK4JboNE26yJyILDSOpysZgil%2FCkQLgJoZf76Qk7yn4Vi10aEYhBhi1WUR%2BX32m87obGADDhY6Lf&webInteractiveContentId=251402243298&portalId=146424792) - About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - Mortgages - [First Time Buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited Company Directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) - [Homemovers](https://www.jims.co.uk/home-mover-mortgage) - Insurance & protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family Protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) - Resources - [Blog](https://www.jims.co.uk/blog) - [Contact us](https://www.jims.co.uk/contact-us) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKMvF0hOu7VqS4xUuDhN1Usqs2RYlF9vVr3iozBRFOwyb3oDWaxgUrFM9r5MUcDzrc%2BxvSB1BdI6%2B1uFZCub3O0pgkjQj6PZKWCLTRO4JCZvVbYf7kGkK4JboNE26yJyILDSOpysZgil%2FCkQLgJoZf76Qk7yn4Vi10aEYhBhi1WUR%2BX32m87obGADDhY6Lf&webInteractiveContentId=251402243298&portalId=146424792) ![Jigsaw-logo-master-01 (1)](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=243&height=119&name=Jigsaw-logo-master-01%20(1).png) 104 - 106 Moseley Avenue, Coundon, Coventry, CV6 1HQ [info@jigsawindependent.co.uk](mailto:info@jigsawindependent.co.uk) [0800 177 7890](tel:0800%20177%207890) # First-Time Buyer Mortgage Advice in Coventry & Warwickshire  Stepping onto the property ladder is one of the most exciting milestones in your life, but navigating the endless banking jargon can quickly feel overwhelming. As independent mortgage brokers based in Coventry, we specialize in breaking the process down into clear, jargon-free steps for buyers across the Midlands. You can [**speak with a first-time buyer specialist**](https://www.jims.co.uk/contact-us) today to establish exactly where you stand with no pressure or obligations.  [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJTXdG88kL02VJETBD864VqVOkYEUQvtV4q7DrGBnVGavGXpItd5i3ov3EEAeDB11yGPujcIh%2BNXDKsU49rSdlppBiEmC1wxlVO6LgNZTtr2BIkfwmQXYX98DR4xFiS7KU5be7D8bAodAUfXUG0s9I%2F%2F6JQeQ5j3fJGvOUfJ7UOkVQ%2B9v8ODXk6YQiPGLpm&webInteractiveContentId=251402245327&portalId=146424792) ![Jigsaw Images (1)](https://www.jims.co.uk/hubfs/Jigsaw%20Images%20(1).svg) ![Rate match guarantee](https://www.jims.co.uk/hubfs/Gurantee%20(2).svg) ### Rate match guarantee #### You won't find a better deal anywhere else and if you do we will pay the difference! ## Your first home starts here Buying your first home is one of life’s biggest moments, but it can also be one of the most stressful. Whether you're renting, living with family, or just starting to think about getting on the property ladder, we’re here to help you every step of the way. We don’t just find you a mortgage. We help you secure the right mortgage for your situation, and most importantly, we help you get the keys to a home that’s right for you. [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKMvF0hOu7VqS4xUuDhN1Usqs2RYlF9vVr3iozBRFOwyb3oDWaxgUrFM9r5MUcDzrc%2BxvSB1BdI6%2B1uFZCub3O0pgkjQj6PZKWCLTRO4JCZvVbYf7kGkK4JboNE26yJyILDSOpysZgil%2FCkQLgJoZf76Qk7yn4Vi10aEYhBhi1WUR%2BX32m87obGADDhY6Lf&webInteractiveContentId=251402243298&portalId=146424792) ![Your first home starts here](https://www.jims.co.uk/hs-fs/hubfs/New%20build%20.webp?width=2438&height=1875&name=New%20build%20.webp) ## How we help first-time buyers With **over 100 years** of combined experience (and plenty of first-time buyers behind us), we break the process down into clear, manageable steps: Step 1 ### Book a free call or in person meeting  We start with a simple question and answer session to understand where you're at, no pressure, no jargon. We'll ask a few key questions about your income, deposit, and credit history and answers all the questions you will have. Step 1 Step 2 ### Financial reality check- Can you do what you want to? We help you understand how much you can realistically borrow and what’s affordable for your lifestyle. We’ll explain deposit options, government schemes, monthly repayments, and the costs people often forget, like solicitor fees, stamp duty and surveys. Step 2 Step 3 ### Agreement in principle/ Mortgage in principle We’ll arrange a decision (mortgage) in principle, giving you a clear idea of your budget and the confidence to book viewings. Many estate agents won't let you book a viewing without one. Step 3 Step 4 ### Property search & negotiation support This is where Jigaw Independent really is unique. You choose the home you love and then let Jigsaw use their combined experience of over 100 years to deal with the estate agent and get an offer accepted at the lowest possible price. This is often where we save clients the most money. We'll even advise what to keep private when dealing with estate agents. Remember - the estate agent works for the seller and Jigsaw Independent works for you. We want them to know you can afford the property but we DO NOT want them to know the most you can afford or they will push the price up. Step 4 Step 5 ### Full mortgage application Once we have got your offer is accepted, we handle the paperwork and deal with the lender, keeping you informed throughout. We make the process as simple and stress free as possible. You deal with Jigsaw and Jigsaw will deal with eveything else. Step 5 Step 6 ### Solicitors and surveys  We can introduce you to trusted solicitors for the conveyancing and recommend the right surveyors if you need or want a better survey arranging for your new home Step 6 [![I need a mortgage in principal](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251400168690.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLI9tEVHagPxTnPZqP93%2F8SgYlLe0e6bNdPRmhQwoy%2B8SuQGBqIdEoYYJh7kp%2BOQ6d0M5bx1kIloGrsJ7L81PBCcnstqIBltnzyd4Duct5%2BG7gXtvqbHAdCF4ocdZoJy25vxjsLSRRmMP48%2FL7SiD9568U4PDIThwIgKAq4i8bvpRZl4Baee6SAPFANaz2YuaAyvGdTRi01ADytNpNCEWg%3D%3D&webInteractiveContentId=251400168690&portalId=146424792) ## What makes Jigsaw different?  We work for you, not the banks, and we always have your best interests at heart.   Clarity at every step, no jargon, just clear answers.   Experienced team, we've helped hundreds of buyers into their first homes.   We treat your money like our own. Budget awareness is our priority.   You’re not a number, you're supported from first enquiry to final key handover. ![What makes Jigsaw different?](https://www.jims.co.uk/hs-fs/hubfs/Couple%20touring%20new%20house.webp?width=780&height=600&name=Couple%20touring%20new%20house.webp) ## Understanding your mortgage options We’ll explain everything, but here’s a quick guide to common mortgage types: #### Fixed-rate mortgage Your monthly payments stay the same for a set period (usually 2–5 years) Fixed-rate mortgage #### Tracker mortgage Follows the Bank of England base rate; payments can rise or fall Tracker mortgage #### Shared ownership You buy a percentage of the home and pay rent on the rest Shared ownership #### Help to buy (if eligible) Your monthly payments stay the same for a set period (usually 2–5 years) Help to buy (if eligible) We’ll also talk you through how lenders assess affordability and how your credit score, income type, and job stability can affect what’s available. ## Why use a mortgage expert? You could try to figure it out online, but there’s a reason first-time buyers choose Jigsaw:  We know what lenders want, and match you with the ones who'll say yes.   We bust myths, like “you can’t get a mortgage with a small deposit”.   We save you time, one application, dozens of lenders considered.   We reduce stress, no chasing banks or guessing what to do next. ![Why use a mortgage expert?](https://www.jims.co.uk/hs-fs/hubfs/Open%20house%20viewings.webp?width=780&height=600&name=Open%20house%20viewings.webp) [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJTXdG88kL02VJETBD864VqVOkYEUQvtV4q7DrGBnVGavGXpItd5i3ov3EEAeDB11yGPujcIh%2BNXDKsU49rSdlppBiEmC1wxlVO6LgNZTtr2BIkfwmQXYX98DR4xFiS7KU5be7D8bAodAUfXUG0s9I%2F%2F6JQeQ5j3fJGvOUfJ7UOkVQ%2B9v8ODXk6YQiPGLpm&webInteractiveContentId=251402245327&portalId=146424792) ## Common questions from first-time buyers How much can I borrow? This depends on your income, debts, and credit profile. We’ll work this out together in your fact-finding. How much deposit do I need? Usually at least 5% of the property value, but more gives you better rates. What is a Mortgage in Principle and why do I need one before viewing homes in Coventry? A Mortgage in Principle (also known as an Agreement in Principle or AIP) is a document from a lender stating how much they are pre-approved to lend you. Most estate agents across the West Midlands will not allow you to book property viewings without one, as it proves you are a qualified, serious buyer. We can typically secure your AIP within 48 hours of your appointment.  Do first-time buyers have to pay Stamp Duty in the UK? Most first-time buyers are completely exempt from paying Stamp Duty Land Tax (SDLT) on residential properties priced up to £425,000, making it significantly cheaper to buy your first home compared to moving house later in life. Our local team will calculate any relevant tax boundaries explicitly during your initial consultation.  Can I get a mortgage with bad credit? Possibly! We work with lenders who specialise in low credit scores or complex situations. What other costs should I plan for? Solicitor fees, valuation costs, moving fees, protection insurance, and possibly stamp duty (though most first-time buyers are exempt below £425,000). Do you charge a fee? Our fees are simple and explained upfront, and we only move forward if we can help you. How long does it take? We aim to get your mortgage in principle within 48 hours of your appointment. [Back to top](https://www.jims.co.uk/mortgage-for-first-time-buyers#top) ## Find out what you can afford in minutes ***Get clarity before you start house hunting*** Understanding what you can realistically afford is the first step towards a stress-free home-buying journey. Our affordability tool gives you a quick, realistic estimate of how much you may be able to borrow, based on your income, outgoings, and deposit. ***A quick check, with no impact on your credit score*** The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure. ***Plan with confidence, whatever your next step*** Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on. [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJTXdG88kL02VJETBD864VqVOkYEUQvtV4q7DrGBnVGavGXpItd5i3ov3EEAeDB11yGPujcIh%2BNXDKsU49rSdlppBiEmC1wxlVO6LgNZTtr2BIkfwmQXYX98DR4xFiS7KU5be7D8bAodAUfXUG0s9I%2F%2F6JQeQ5j3fJGvOUfJ7UOkVQ%2B9v8ODXk6YQiPGLpm&webInteractiveContentId=251402245327&portalId=146424792) [![Lets Talk..](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-384044057826.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLLbcM0rca6AnZq7daz9KZ2QxA4552GxJxJBoGAV6Zbexr0WTw2rU4jWeFDcCCrlPqF5nxnsotGZjqvxDD%2FPB%2BLwKvclL0T7T7KRsmW5vz7AMraNhx%2F7F4BrsE5emX5MrhALkNUOJM1CLB%2BNWCKQOwv1YDAE%2FH2RQuxD0lg5bOskUcV6jBNEKOWnIs8%3D&webInteractiveContentId=384044057826&portalId=146424792) ![Find out what you can afford in minutes](https://www.jims.co.uk/hubfs/Jigsaw%20Mockup.svg) ### Whether you're buying or remortgaging, we’ll give you clear advice so you can make informed decisions [![Call us](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-388830883035.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJMmJeauppLFM58vO8zArvNxB5uv9SW5PiOaJh78JLaU5c05XOoMxKhgdwf5zafkMgdH%2B9q5peFHdUrlUKjg4ttChFzOnOcyJNW%2FxUol8TlqFMPgG%2FOZY%2BfnqbDP3fhQQx4hxR2pW3rbxWmARqK%2FpXMvg%3D%3D&webInteractiveContentId=388830883035&portalId=146424792) #### [![Jigsaw Independent Mortgage & Insurance Specialists](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=182&height=89&name=Jigsaw-logo-master-01%20(1).png)](https://www.jims.co.uk/) 104 - 106 Moseley Avenue, Coundon, Coventry, CV6 1HQ **Registration No:** 04654900   [0800 177 7890](tel:%200800%20177%207890) [info@jigsawindependent.co.uk](mailto:info@jigsawindependent.co.uk) About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - [Blogs](https://www.jims.co.uk/blog) Mortgages - [First time buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited company directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) Insurance Protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) Jigsaw Independent Mortgage Specialists Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA Number: 449134). Your home may be repossessed if you do not keep up repayments on your mortgage. Copyright © 2026 Jigsaw Independent Mortgage Specialists. Designed & developed by [JDR Group](http://www.jdrgroup.co.uk). - [Terms](https://www.jims.co.uk/terms-conditions) - [Privacy](https://www.jims.co.uk/privacy-policy) - [Cookies](https://www.jims.co.uk/cookie-policy) ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressCountry" : "UK", "addressLocality" : "Coventry", "postalCode" : "CV6 1HQ", "streetAddress" : "104 - 106 Moseley Avenue, Coundon" }, "alternateName" : "Jigsaw Independent", "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "GB", "availableLanguage" : "en", "contactType" : "customer service", "telephone" : "+44 800 177 7890" }, "geo" : { "@type" : "GeoCoordinates", "latitude" : 52.4196, "longitude" : -1.5343 }, "image" : "https://www.jims.co.uk/hubfs/Jigsaw%20Mockup.svg", "logo" : "https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png", "name" : "Jigsaw Independent Mortgage Specialists Ltd", "openingHours" : [ "Mo 09:30-18:00", "Tu 09:30-18:00", "We 09:30-18:00", "Th 09:30-18:00", "Fr 09:30-18:00", "Sa Closed", "Su Closed" ], "priceRange" : "£", "sameAs" : [ "https://www.facebook.com/jigsawindependent/" ], "telephone" : "0808 531 0462", "url" : "https://www.jims.co.uk/" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "This depends on your income, debts, and credit profile. We’ll work this out together in your fact-finding." }, "name" : "How much can I borrow?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Usually at least 5% of the property value, but more gives you better rates." }, "name" : "How much deposit do I need?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Possibly! We work with lenders who specialise in low credit scores or complex situations." }, "name" : "Can I get a mortgage with bad credit?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Solicitor fees, valuation costs, moving fees, protection insurance, and possibly stamp duty (though most first-time buyers are exempt below £425,000)." }, "name" : "What other costs should I plan for?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Our fees are simple and explained upfront, and we only move forward if we can help you." }, "name" : "Do you charge a fee?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "We aim to get your mortgage in principle within 48 hours of your appointment." }, "name" : "How long does it take?" } ] } ``` ```json { "@context" : "https://schema.org", "@type" : "WebPage", "description" : "Secure your first home in Coventry & Warwickshire. 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