Mortgage Advice for First Time Buyers.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Buying your first home is a huge moment—and you deserve expert support every step of the way.
We know how exciting (and sometimes overwhelming) it can feel, which is why we go above and beyond to guide you with care, clarity, and patience. From explaining the process in plain English to finding the right mortgage and supporting you through every stage, we’re by your side—making your first home purchase feel confident, informed, and genuinely exciting.
First Time Buyer FAQs
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Most lenders require a minimum deposit of 5% of the property price, though a larger deposit (10–15% or more) can open up better rates. We’ll help you understand what’s affordable for you and find lenders that match your deposit level.
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Alongside your deposit, you’ll need to budget for costs like solicitor fees, survey costs, stamp duty (if applicable), and potentially a mortgage arrangement fee. We’ll give you a clear breakdown from the start so there are no surprises.
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Yes—there are several schemes designed to support first-time buyers, including Shared Ownership, Lifetime ISAs, and First Homes schemes in some areas. We’ll talk you through what’s available and help you apply if eligible.
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Lenders will assess your income, outgoings, credit history, and overall affordability. We’ll calculate how much you could borrow based on your personal circumstances—and even get you an Agreement in Principle to strengthen your offer.
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We handle everything from finding the most suitable mortgage deal to guiding you through the paperwork, dealing with lenders, and working alongside your solicitor. Our goal is to make the process clear, smooth, and as stress-free as possible—so you feel confident every step of the way.
Ready to Talk?
Drop us a message or book a quick call — no jargon, no pressure, just straightforward advice from someone who’s on your side.
