First time home buyer mortgage

In our initial meeting we’ll discuss your income, your outgoings, and any debt, as well as your work and personal circumstances, in order that we can advise on how much you can borrow, taking into account deposit and stamp duty requirements, and other associated costs such as valuations and solicitor’s costs.

We can then search for the most suitable 1st time buyer mortgage products for you across the majority of the lenders in the UK, considering any specific personal circumstances: maybe the property is of non-standard construction, or perhaps you work shifts, or the majority of your income comes from commission or bonuses. No matter what your first time mortgage requirements, we have the knowledge, experience, and contacts to provide you with the best solution.

There’s a lot of factors that need to be taken into account when arranging a first time home buyer mortgage, such as whether you should go for a fixed or variable rate; if you should arrange a longer or shorter mortgage term; is a 2-year term better for your circumstances than a 5 year one?; have you considered Early Repayment Charges? Without professional advice, it’s hard to know where to turn. We’re here to answer all your first time mortgage questions and to give you the confidence to make the decision that’s right for you.

For your first time mortgage, we will be with you every step of the way, from our initial consultation meeting, to advising on what paperwork needs to be submitted and when, to liaising with the mortgage lender, right up until you get your keys.

But we don’t stop there – we’re here for whatever future requirements you may have, whether you just want some general advice, or if your mortgage interest rate is coming to an end, or if you need to remortgage or want a moving home mortgage. To find out more about the mortgage application process please click here.

In most instances we do not charge you any fees at all, as we receive a commission from the lender for arranging the mortgage.

We would only need to charge you a fee when the loan amount is under £100,000. If the loan amount is between £60,000 and £100,000 our broker fee is £249, and if the loan is under £60,000 then the fee is £349.

We can offer you competitive quotes for buildings and contents insurance while we are securing your mortgage.

We can help you prepare and submit all the paperwork to make the process as easy and as hassle-free for you as possible. Our home insurance products have a 5-star Defaqto rating, proving that they are one of the highest quality offerings in the market.