Croydon First Time Buyer Specialist

Getting on the Ladder in CR0

Croydon is undergoing a genuine transformation — the Westfield shopping centre, improved Overground connections, and a growing food and arts scene are drawing first time buyers who want the most house for their money within the M25. We help buyers make the most of one of south London's best-value postcodes.

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Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

First Time Buyers

Croydon offers the most house per pound in zone 5 south London — let us help you buy it.

  • 5% deposit mortgages for first time buyers targeting Victorian terraces and new build schemes in CR0 and CR2

  • Commuter-aware mortgage advice — Croydon's fast Thameslink and Overground connections to London Bridge and Victoria are a genuine selling point for lenders

  • Shared Ownership and Help to Buy advice for buyers targeting new Westfield Croydon regeneration zone developments

Speak to an adviser today
CR0 Market Data
5.2%
Average BTL gross yield
£390k
Typical entry price

“Croydon is where south London's regeneration story is just beginning — buyers who acted in Brixton 10 years ago are now acting in Croydon.”

BTL Investors in Croydon

Croydon's high gross yields attract experienced investors who want cashflow. We arrange BTL mortgages for landlords targeting the Purley Way corridor, Thornton Heath, and the South Norwood rental market.

Get specialist advice
Advisers available in CR0 today
Key areas in Croydon:Croydon TownSouth NorwoodPurleySee our full Croydon property guide →
Trusted by London homebuyers

Trusted by the Croydon Community

“First time buyer in CR0 — I was amazed at how much house I could get for £390k. The broker packaged my application perfectly for a 5% deposit deal and I'm now on Morland Road in a three-bed Victorian terrace.”

MJ
Marcus J.
Nurse, Croydon Resident

“Bought a BTL in Thornton Heath for yield. The gross return has been 5.4% from month one and the mortgage rate Mortgage International secured is highly competitive for the market.”

SO
Sandra O.
Portfolio Landlord, South London

“Moved from renting in Streatham to buying in Norbury — far better value and my commute to Clapham Junction is only 18 minutes. The team made the whole thing straightforward from first call to keys.”

AB
Anthony B.
Retail Manager, Norbury

Mortgage FAQs for Croydon

What is the typical entry price for a property in Croydon?
The typical entry price for a property in Croydon (CR0) is around £390k. This can vary significantly by property type and specific street. As an FCA regulated independent broker we can advise on the full range of mortgages available at your target price point across Croydon and help you understand what you can realistically borrow.
What is the average buy-to-let yield in Croydon?
The average gross buy-to-let rental yield in Croydon is approximately 5.2%. Net yields depend on your management costs, void periods, and mortgage rate. We work with the whole of market to find the most competitive buy-to-let mortgage for your CR0 investment property. Call us on 0844 884 9748 for a tailored assessment.
Do you provide mortgage advice to first time buyers in Croydon?
Yes — we are specialists in first time buyer mortgages in Croydon and across all 33 London boroughs. We can access low-deposit products from 5%, help with Help to Buy and Shared Ownership schemes, and advise on stamp duty relief for first time buyers. Our advisers understand the CR0 property market and know which lenders are most competitive for your situation.
Can I get a mortgage in Croydon if I am self-employed?
Absolutely. Many of our Croydon clients are self-employed, company directors, or contractors. We work with lenders who use net profit, salary plus dividends, or day-rate assessment to calculate your borrowing capacity in CR0. The right lender for a self-employed buyer is rarely the high street — we find specialist lenders who understand how real businesses operate.
How long does a mortgage application take in Croydon?
For a straightforward purchase in Croydon (CR0), we can typically provide an Agreement in Principle on the same day you contact us. A full mortgage offer usually follows within 2–4 weeks depending on the lender's valuation queue and your documentation. We manage the process from AIP to offer so you can focus on finding the right property in Croydon Town, South Norwood, Purley.

Ready to Buy in Croydon?

Croydon first time buyer specialists. 5% deposits, FCA regulated, free initial advice.

Get a Free Croydon Mortgage QuoteCall 0844 884 9748
Whole of marketFCA regulatedNo upfront feesResponse within 2 hours

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage International is an appointed representative of The Right Mortgage Limited, authorised and regulated by the FCA (Ref: 478810).