For First-Time Buyers

Your first home, from a 5% deposit.

The deposit is what stops most people, not the monthly payment. Through a partner agency that works directly with the UK's major developers, we bring you new-build homes that qualify for 95% mortgage routes, get the incentives negotiated on your behalf, and give you one person to talk to from the first conversation to the day you get keys.

Check What's Possible How It Works
A terrace of contemporary UK new-build family homes in brick and cream render, landscaped front gardens in golden-hour light

5%

Deposit, on qualifying routes

18+

Years of age to be eligible

12mo

Living in the UK, typically

01 · The Problem

The deposit wall

You pay rent every month that would comfortably cover a mortgage, but a 10 to 15% deposit means years of saving while prices move away from you.

Meanwhile the schemes that could get you in earlier are scattered across developer websites, broker jargon and small print nobody explains. Most first-time buyers never find out what they actually qualified for.

That is the gap we close. There is no magic product involved. We know which developments, lenders and incentives fit together, and we do the legwork properly.

02 · What You Get

A route in, done properly

New-build homes · 5% deposit routes · Developer incentives · One accountable name to keys

Check What's Possible
  • i.

    Homes that qualify Through our partner agency's direct developer relationships, we bring you new-build homes where 95% mortgage routes genuinely work, matched to your budget and the areas you actually want to live in.

  • ii.

    Incentives negotiated for you Where a developer offers incentives, our partner agency negotiates them on your behalf. Sometimes that is worth up to a further 5% toward your deposit; sometimes it is legal fees, stamp duty or upgrades instead. It depends on the development, and we tell you honestly what is on the table.

  • iii.

    Everything declared, always Every incentive goes on the standard disclosure form to your lender and solicitor. That bit of paperwork is what keeps your mortgage safe.

  • iv.

    One conversation, a whole team Buying a first home takes an agent, a developer, a mortgage broker and a solicitor. Behind your one point of contact sits all of them: an FCA-regulated broker confirms what you can borrow before you fall in love with anything, and a conveyancing solicitor who answers the phone handles the legal side.

  • v.

    Our earnings, in writing On these introductions our commission comes from the sales side, the partner agency and the developer, not from you. You see the figure, in writing, before you commit to anything.

03 · Eligibility

Three things,
honestly stated.

Nurses, lab scientists, engineers, finance analysts, anyone building a career here: if you have been living in the UK for a year, you may be closer than you think. The low-deposit routes we work with typically ask that you:

  • 01

    Are at least 18 years old;

  • 02

    Are buying your first home, to live in;

  • 03

    Have lived in the UK for at least 12 months.

Final eligibility and how much you can borrow are always the lender's decision, confirmed by an FCA-regulated broker. We pre-check the basics in the first conversation so nobody wastes your time.

A nurse in blue scrubs, a lab scientist in a white coat, a finance professional and an engineer in a hard hat and hi-vis vest, smiling confidently to camera outside new-build brick homes
The people these routes were built for

04 · How It Works

Five steps.
From renting to keys.

  1. 01

    We talk first

    Your budget, your areas, your timeline. We pre-check the eligibility basics honestly, in plain English.

  2. 02

    A broker confirms your number

    An FCA-regulated mortgage broker tells you what you can actually borrow, before you view anything.

  3. 03

    We bring the homes

    Our partner agency, working directly with major developers, brings homes that fit your number and qualify for the 5% deposit route, incentives negotiated on your behalf.

  4. 04

    Everything in writing

    The price, every incentive, and what we earn, all declared to your lender and solicitor on the standard forms.

  5. 05

    Supported to keys

    We chase the agent, developer, broker and solicitors so you don't have to. One name answers for everything until you move in.

05 · Straight Answers

Questions you should be asking

Is a 5% deposit really possible?+
Yes. Several UK lenders offer 95% mortgages, and many new-build developments support low-deposit schemes. The mortgage itself always comes from an FCA-regulated lender through an FCA-regulated broker, subject to their affordability and eligibility checks. Our job is to bring you the home that qualifies, through our partner agency's direct developer relationships, and to manage everything around it.
Who will I actually be dealing with?+
One person. Buying a first home is genuinely multidisciplinary, agent, developer, mortgage broker, solicitor, so behind your single point of contact sits that whole team: a partner agency with direct relationships with major UK developers, an FCA-regulated mortgage broker and a conveyancing solicitor. We coordinate them; you keep one number.
Who pays the deposit top-up?+
On some developments our partner agency can negotiate a developer incentive on your behalf, sometimes worth up to a further 5% toward your deposit, or perks such as legal fees, stamp duty contributions or upgrades instead. Incentives depend entirely on the development and are never guaranteed. Every incentive is declared to your lender and solicitor on the standard disclosure form. That is what keeps your mortgage safe.
Do you hold my deposit at any point?+
Never. Your money moves between you, your solicitor and the developer's solicitor, the same as any properly run purchase. We never touch client funds.
What does Quantum Brick charge?+
Nothing, directly. On first-time buyer introductions our commission comes from the sales side, the partner agency and the developer, not from you. You see exactly what we earn, in writing, before you commit to anything.
Are you a mortgage broker?+
No, and we don't pretend to be. Quantum Brick makes the introductions, coordinates the process and stays your single point of contact. Mortgage advice comes from the FCA-regulated brokers we introduce you to, and legal advice from your own solicitor. You are free to use your own broker and solicitor instead.

06 · Next Step

Find out what you qualify for

Best way to reach me

We reply personally, within one working day.

Quantum Brick Ltd is not a lender, mortgage broker or financial adviser and does not arrange credit. Mortgages are provided by FCA-regulated lenders through FCA-regulated brokers, subject to their own eligibility and affordability checks. We may receive a referral commission from the partner agency, developer or professionals we introduce you to; any such commission is disclosed to you in writing. Developer incentives vary by development, are never guaranteed, and are always declared to your lender and solicitor. Your home may be repossessed if you do not keep up repayments on your mortgage.