First Time Buyer
- Expert guidance for first time buyers
- Help available seven days a week
- Personalised support at every stage of the process
Get in Touch
First Time Buyers - We've Got Your Back
Whether you’re just starting to think about buying or if you’ve already tried and been knocked back, we’re here to support you on your homebuying journey. We’re proud to help first time buyers from all walks of life realise their dreams, so no matter how complicated your circumstances might seem, chat to us and we’ll get you on the path to homeownership as soon as possible.
Open seven days a week
We work around you, not the other way round. You can chat to an advisor any day of the week, with pre-bookable evening appointments available Monday to Friday, too.
An honest, transparent service
We're up-front about our fees: if we can't get you a mortgage, you don't pay us a penny. What's more, we work with you, not for the bank, so we can look at a wide range of lenders to find the right mortgage for you.
A named point of contact
The same advisor will deal with your case from start to finish, supported by a dedicated administrator. You'll have a team you can trust, who will know your application inside out.
We'll show you the ropes
Most people come to us not knowing anything about mortgages. We'll walk you through everything step by step so you feel confident and in-the-know, while handling as much of the paperwork as possible for you.
7 Things You Need to Know About Buying Your First Home
We know there’s a LOT to think about when it comes to buying your first home. In our free e-book, we tell you about seven of the key things you should know before you take the plunge
Documents
Yeah, we know: admin isn't exciting. Taking a few minutes to check your documents are in order can make a huge difference, though, so it's definitely worth doing. See what needs to be done to put you in the best position possible.
Deposits
Getting a deposit together can be the toughest part of the whole house-buying process. Learn why having one is important and see if there are ways you can boost your funds to help you get a deposit faster.
Mortgages
We know you don't really want a mortgage: you want a house. But most people aren't lucky enough to be able to afford one outright. Find out more about what's likely to be the biggest debt you'll ever have!
Protection
Nobody likes thinking about death or being ill, especially if it means considering it happening to you or your loved ones. However, protecting you, your family, your income, and your new home is really important!
Viewings
From where to find property for sale to what to look for when you get through the door. We'll even tell you about the tricks of the trade estate agents use to entice you in!
Surveys
Your deep dive into what condition the property's really in, and what fancy decor and a lick of paint might be hiding. Learn about the different types to decide which is right for you.
Legals
As it's a complex procedure, a solicitor will handle the legalities of buying a house for you. Find out more about the legal process, what goes on when, and why it takes so long!
Keys
Congratulations, homeowner! You did it! But nobody ever really tells you about the practical stuff you should do once you've got the keys. Read our guide to find out more.
Your new home might be just around the corner...
Want to know if you’re good to go? Have questions about what you can borrow and what the repayments might look like?
You can book a quick chat here or message us on WhatsApp.
This is the journey we'll go on together
Chat with us
We'll get to know you, so we can offer the right advice. We've dealt with all sorts of situations before, so if you have bad credit, are self-employed, or really want a new build, we'll consider all the options and talk you through each one so we can make an informed decision together.
Get pre-approved with a mortgage in principle
We'll run the numbers and research the right lender for you, from high street banks to smaller building societies to specialist lenders you might never have heard of.
Find your new home (the fun bit!)
Once you've got your certificate, you're in a really strong position to book viewings. You can act fast and make an offer the minute you find your dream home. Once you have an offer accepted, we'll take it from there.
Let us handle the rest
We'll take care of the mortgage and protection paperwork, and we'll work with your solicitor and surveyor to make sure everything goes as smoothly as possible. Having direct access to both your advisor and a dedicated administrator means we're easy to reach and very responsive.
want to
Chat with us?
Leave your details and our specialist advisor will contact you!
Your Questions, Our answers
Our answers to some of the most common general questions we get asked.
Visit individual pages for more specific questions and answers.
?
In simple terms, a mortgage broker’s job is to find you the right mortgage for your circumstances.
Every lender has different products and, more importantly, different criteria you need to meet to be accepted. A broker knows or can research this criteria to place you with the best lender for your situation.
Simply put, using a broker means you can rest easy, knowing you’ve got the best possible deal for your situation.
Even if you’ve tried getting a mortgage yourself and have been declined, it’s worth giving us a go! We have access to dozens of lenders who cater for a range of circumstances, including some you won’t find on the high street or can’t access directly.
A broker will take the stress out of applying because they’ll do it all for you. Some, like us, don’t stop once the offer is issued, either – we continue to work with you, your estate agent, and your solicitor to get things through as smoothly as possible.
What’s more, your broker will always have your back. Having someone to fight your corner can be invaluable when buying a house.
If you’re thinking about buying your first home, as soon as possible.
It could be that something you aren’t even aware of might prevent you from getting a mortgage. We can work together to fix it; we’ll talk you through what can be done and how long it might take before you can apply with a reasonable chance of success.
Even if you’re good to go, it’s handy speaking to us before you start putting offers in, just to make sure you know of, and have considered, all of your available options.
Although we deal with other kinds of mortgages too, we specialise in looking after first time buyers.
That means we’re up to date with the latest schemes aimed at helping first time buyers get on the ladder, and we’re well-equipped to guide you through the process of buying for the first time, whether that’s explaining all the terminology or chatting through your future bills.
You’ll have one named advisor handling your case from enquiry to completion, supported by a dedicated administrator who’ll know your application inside out. You’ll get their direct phone numbers and email addresses, and we’ve been known to answer our clients’ messages late at night and on weekends!
All our advice is completely free. There’s absolutely no charge for asking our opinion or finding out what you need to do.
Our standard fee is a flat £300 if we arrange a mortgage for you, but you only pay that when you get a full mortgage offer – not at Mortgage in Principle or application stage – so if we can’t get you a mortgage, you don’t pay us a penny.
For complex cases we may have to charge more, but any increase from our standard fee will be discussed and agreed with you at the earliest possible opportunity.
