Your go-to guide for stress-free homeownership, tailored for first-time buyers in Ashford, Kent and nationwide.

First-Time Buyer Advice: Navigate Low-Deposit Mortgages with Confidence

Buying your first home is one of life’s biggest milestones and often one of the most daunting. From saving for a deposit to understanding different mortgage schemes, the process can feel like a maze.

The good news? You don’t have to navigate it alone.

At RF Mortgage Solutions, we specialise in helping first-time buyers in Kent find the right mortgage with confidence. Many first-time buyers believe they need a large deposit to get on the property ladder. But did you know there are many options available that allow you to buy with as little as a 5% deposit? And, if you have not owned a property in the last 3 years and have rented for at least 18 months, you could be eligible for a “Track Record” mortgage which doesn’t require a deposit.

From family-assisted mortgages and affordable housing schemes such as shared ownership or First Home schemes that offer low-deposit products, there are more paths to homeownership than ever before.

As a mortgage broker, we work with 99% of high street lenders and have access to exclusive deals that aren't available directly to the public. Our personalised approach means we tailor each recommendation to fit your unique situation and long-term goals.

We believe buying your first home should be exciting, not stressful. Our mission is to empower you with clear advice, simplify the process, and support you every step of the way — so you can focus on turning that key in the door of your new home.

💡 Quick Tips for First-Time Buyers

✅ Explore government schemes designed for low deposits.

✅ Review your credit score early and make improvements where possible.

✅ Understand all costs involved , not just the deposit.

✅ Speak to a specialist mortgage advisor before starting house viewings.

 Ready to take your first step? Book your free first-time buyer consultation today and let’s make your dream home a reality.

Richard Forgione — Mortgage & Protection Adviser, Founder & Director at RF Mortgage Solutions

With more than 30 years' experience in financial services and over 15 years specialising in mortgage advice, Richard helps first-time buyers, home movers, homeowners, landlords, self-employed clients and those with more complex mortgage needs across Kent and nationwide.