am i a first time buyer?

magpiecottage

The question sounds a bit like asking if you get your virginity back when you divorce.

Some lenders may allow you a deal because you have no current mortgage but you can only do anything for the first time once.

Trying_to_be_good

I don't know if the first time buyer definition has been challenged as being age discrimination, or under any European legislation about the right to some sort of family life.

I think those being divorced/separating and having to start again get a really raw deal over this, whereas if it were means-tested they'd likely qualify whilst rich kid FTBers wouldn't.

controversy

You might be able to get a 95% mortgage guarantee.

https://www.helptobuy.gov.uk/mortgage-guarantee/eligibility/