A hub of anonymised first-time buyer mortgage case studies showing how different deposit levels, income types, credit histories and property timelines can affect the mortgage journey.

First Time Buyer Case Studies

Buying your first home rarely follows a straight line. Even when you’re organised and motivated, factors like deposit size, changing income, credit history, or the type of property you’re aiming for can shape what lenders consider.

This hub brings together anonymised, real-world examples of first-time buyer scenarios. Each case study focuses on the key issues, the mortgage approach that was explored, and the practical steps that helped the application move forward.

Case Study: First Time Buyers - Getting a Mortgage with Credit Defaults

A first-time buyer mortgage success story featuring a credit issue, a specialist lender approach, and a clear path from rejection to an offer accepted.

Case Study: First Time Buyers - Self-Employed with a CCJ

A first-time buyer case study about Fran and Kim—self-employed, with a CCJ in their past—who worked through their finances and secured a mortgage to buy their first home.

Case Study: First Time Buyers - Reducing Mortgage Protection Costs

A first-time buyer case study showing how we reviewed mortgage-related protection and restructured cover to reduce unnecessary costs—without compromising the couple’s ability to meet their mortgage commitments.

Case Study: First Time Buyers - Using Help to Buy to Bridge the Deposit Gap

How first-time buyers William and Huong used the Help to Buy London scheme to bridge their deposit gap and secure a mortgage offer quickly for a new-build home.

Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number: 01133 205 902
Email: hello@cyborg.finance
Postal address: 31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.