First Time Buyer

Buying your first home is a big step. Our expert brokers source the best mortgage for you and help you through the home buying process.

Congratulations on taking this big step. It is exciting and daunting. We are here to help you every step of the way to make it as easy and stress free as possible. We’ll give you all the knowledge, tools, advice and confidence that are key for making your dream home a reality!

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First time buyers often wonder why they should use a broker. While your bank will be able to advise you on their mortgages, they will only have a small range of in-house products that they can recommend to you. We have access to thousands of products, meaning you’re much more likely to find a better deal. Let our expert brokers find the right mortgage for YOU based on your circumstances and what you want to achieve.

As a small company, you are an individual and not just another number. We work hard to give you great service throughout and ensure that getting the keys to your first home is as stress free as possible. We will keep you informed and updated with progress and we are always here to answer any questions you may have.

As a first time buyer, you will have many questions.

How much can I borrow? What type of mortgage should I apply for? How long will it take to secure a mortgage offer? How much deposit will I need? What’s the most efficient way to save for a deposit? Are there any additional costs when buying a home? Will I be accepted for a mortgage? What is a Home Report? What happens once my mortgage application is accepted?

Our experienced mortgage advisers will be able to help you with answers to all of these.

And as well as mainstream mortgages, we are experienced in Guarantor mortgages and Shared Owner/Equity mortgages to give you a few other options. To give you confidence that you will be able to secure a mortgage for your first home and to get an idea how much a lender will lend you, we will obtain an Agreement In Principle (AIP) if appropriate. And we won’t charge a penny to get you this far.

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First Time Buyer Guide

We will help reduce the stress of buying your first home. A good starting point is to understand the process for a typical first time buyer. Buying your first home is exciting but can be daunting, especially if you’re unfamiliar with the process. We’ve put together a brief overview of what a typical first time buyer application looks like to help you:

Contact us and arrange your first meeting.

Have a chat with your broker. Tell us what you’re looking to do. Make sure you have everything you need with you for the meeting by reading our ‘Be Prepared’ guide.

We will research all the lenders (more than 150) to find you the best deal for your situation.

We will email and chat through our recommendation with you.

Once you’re happy with the deal, we will obtain a ‘Decision in Principle’ from the lender. This will give you the confidence to start house hunting knowing that you should be able to secure a mortgage when you find the property you want.

Once you’ve found your property we will progress onto a Full Mortgage Application for you.

We will keep you regularly updated on the progress of your application and let you know when your mortgage reaches Offer stage.

The Offer allows you to “Conclude Missives” which is when your sale becomes legally binding and agree a completion date for your new home.

Once your mortgage is underway, we will chat about how you want to protect yourself and your new home. This is to make sure that you are protected if you unexpectedly become ill or have an early death.

Finally, once your current deal is about to expire we’ll get in touch to discuss your future options.

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