First Time Buyer Mortgages Swansea

Truth. Simplicity. Transparency.

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 over 150 mortgages and first time buyer mortgages for our clients last year (2020) and keep them all informed of developments in the mortgage market with our regular Essentially Mortgages magazine.

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 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.

What makes us different?

"We find Daniel to be incredibly helpful and responsive. He is not pushy and just gives simple, clear good advice. #TeamDaniel!"

"We have every confidence in Ian's exceptional knowledge and experience but also appreciate very much the great service from the team that Cosgrove Brown have built up around them."

"Ian looked at all our finances along with our pensions and explained everything so we fully understood. We feel more comfortable knowing what we will receive in retirement."

Carl Cerasuolo

"Without the help of Daniel we wouldn't be enjoying making memories in our beautiful forever home. He delivered a very personal service and listened to what we wanted from him. He was always on hand to answer any questions, we can't thank him enough for the 5+star service (February 2021)"

"Gary provided excellent advice and assistance with a complex purchase which involved a bridging loan and commercial funding. He understood the timescales and sourced lending when others couldn’t."

"Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!"

"We were really impressed with the speed with which you processed the mortgage and the great rate of interest!"

"The company is first class, discriminating, intelligent, utterly trustworthy and dependable"

"Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable"

"Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future."

"Daniel went above and beyond to help us with our first mortgage. He explained the mortgage, its rates and terms very clearly, he was extremely patient and professional, we would highly recommend him."

"My mortgage needs were not simple to deal with, but Dan’s knowledge and experience really shone through. He was professional in his dealings with me and explained everything to me in a clear and concise way, ensuring I fully understood the mortgage product I purchased."

H McGillivray

"The service at Cosgrove Brown really has been first class. Not only was Dan, the Mortgage Broker, friendly and relaxed, nothing was too much trouble for him. He seemed to go above and beyond in helping where he could. He really took a lot of pressure off me in what could have been a really stressful time. I would 100% recommend Cosgrove Brown, the service was exceptional and really good value for money too."

Samantha Lewis - Swansea

"I was recommended Cosgrove Brown by a family member and was not disappointed. Dan has now arranged 2 mortgages for me and each one has been completely stress free and that is amazing for someone who worries about everything. Dan was understanding of my situation and is extremely good at his job. He is always at the end of the phone or email with any queries I had day or night! He literally takes everything out of your hands and deals with it all from start to finish but keeps you updated all through the process. I honestly cannot recommend this firm in particular Dan Bailey enough. I now have a lovely home to call my own thanks to them!"

Christine - Swansea

"It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action."

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, wills 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:

First Time Buyer Mortgages

Truth. Simplicity. Transparency.

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.

Our Services & Expertise

What makes us different?

Start your journey to a better financial future

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