First Time Buyer Mortgages

Truth. Simplicity. Transparency.

First-time Buyer Mortgages
First-time Buyer Mortgages

Buying a house is one of the biggest investments you will ever make. Can you afford to get it wrong? Let us help you get the keys to your new home with our first time buyer mortgages.

We deal with all major lenders and many smaller ones not on the high street – we offer a mortgage review service that is representative of the whole of the market.

We have access to many different mortgage lenders – including those not on price comparison sites and newer challenger banks.

We secured 162 mortgages and first time buyer mortgages for our clients last year (2022). Daniel Bailey, our specialist mortgage advisor, is a qualified member of the Society of Mortgage Professionals, email him to discuss your purchase details.

What do I need to apply for first time buyer mortgages?

To help speed up your mortgage application it would help us greatly if you can bring all relevant documents to our first meeting. Please download the list of mortgage application documents.

Our guide Borrowing To Buy Your New Home will help to clarify the terminology, benefits, risks and associated costs of borrowing to buy your new home.

Our Services & Expertise

Increasingly Estate Agents and Sellers are requesting a mortgage ‘Agreement in Principle’ before they can accept your offer. We can now offer a service designed to speed up this process. On receipt of the correct information it may be possible to obtain the agreement, before the full application process has started. Please call us or email for further information regarding this service.
Applying for a mortgage with us is easy and simple. We can manage all of the paperwork for you, saving you time and stress.

We know how important buying your first home is, that’s why we will be focused on getting your mortgage processed quickly. We will discuss with you your plans for now and the future, and make a detailed assessment of your personal circumstances so that we can search our extensive database of mortgage lenders to find you a tailor-made product.

We’ll piece together the application and submit it on your behalf, liaising with Estate Agents and Solicitors along the way. Once your mortgage has been agreed we will notify all parties, and then give you the option of discussing your insurance protection needs with our advisers.

Take a look at our Borrowing to buy your new home fact sheet to get a feel for our service and how it will make your life, your mortgage loan and your move, easier for you.

Please bring these mortgage application documents with you to our first meeting, if you can.

That’s a difficult question and sometimes that’s down to you, the quicker we get in all the information, the quicker we can apply! Most lending decisions are made within 24 hours, but mortgage offers can take longer -generally between 7 days and a month depending on the lender used. This may also depend on how busy the housing and mortgage market is and if you mortgage is complex.

Do you charge broker fees?

Every case and client is different, so our fees may be dependent on a number of circumstances. We will provide you with a breakdown of our fees on request, and please be assured that all initial discussions or meetings are at our cost, not yours.

Our standard mortgage charge is £495 for mortgages over £100,000 or £795 if the mortgage is £99,999 or below. Please call us for First Time Buyer offers.

Apply for a mortgage now.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

What makes us different?

Start your journey to a better financial future

You can talk to us in confidence about protecting your income and your family, residential and business mortgages, pensions, SIPPs, annuities, income drawdown, inheritance tax and tax efficient investments. The first meeting is at our expense and without any obligation.

You can contact us via telephone, email, or use the contact form below: