# First Time Buyer Mortgages: Your Complete Getting Started Guide
Buying your first home is an exciting milestone. This comprehensive guide will help you understand the mortgage process and find the right deal.
## What is a First Time Buyer?
A first time buyer is someone who has never owned a property before, whether as a main residence or investment property.
## First Time Buyer Benefits
### Government Schemes
– **Help to Buy** equity loans
– **Shared Ownership** schemes
– **First Homes** initiative
– **Lifetime ISA** bonuses
### Special Mortgage Products
– **95% mortgages** available
– **Lower deposit** requirements
– **Specialist first time buyer** rates
– **Guarantor mortgages** options
*Ready to buy your first home? Our specialist brokers can help you navigate the process and find the best deals.*