UK First Time Buyer Mortgages

Well firstly we will be able to talk you through the process so that you understand the sequence of events than enable you to purchase a house .

We will answer any general queries to start off with

We will let you know how much you are able to borrow and discuss deposit requirements with you. After which we will do a search across the whole of the mortgage mortgage market to make sure you get the best deal for your requirements

Once we have found you a suitable mortgage we would do an Agreement In Principal with the mortgage lender and then manage the application through to mortgage offer.  You would have a dedicated contact that is easily contactable who will manage the whole process so you do not need to correspond with anyone else.

We make the process user friendly and are the polar opposite to a faceless call centre or a computer algo-rhythem , we are real highly qualified, friendly people who are here to help.

The minimum deposit required would be 5%. The more deposit that you have the cheaper the rate would be and the less you would have to borrow.

There are other costs associated with a mortgage purchase such as stamp duty and solicitor costs. We can provide you quotes for these.

We are whole of market advisors so we look at all lenders. Different lenders will allow you to borrow different amounts which depends on their criteria. Our experts can really add value to ensure that we apply to the most suitable lender.  They will go through your income and expenditure and will assess your type of employment and will recommend the most suitable first time buyer mortgage.

We are not a call centre, we are all qualified and are very experienced in guiding first time buyers through the process.  Not only are we whole of market but we are also generally alot quicker and easier to contact than using a bank. We have access to all the lenders so as a first time buyer we can ensure you that you will get the best deal for your circumstances. As you can see from our reviews we provide a professional , humane and simplified process. We are all normal people who are here to help you with our knowledge and expertise.

If you have had issues with your credit in the past then we would need to look at your credit report. We recommend getting a copy of your credit report from here.

Once we have reviewed your credit report we will be able to advise and recommend a suitable lender. We have access to all the lenders which include lenders that specialise in  adverse credit mortgages. We also use technology that enables us to find you the most competitive  lender  considering your credit score.

If there is a mortgage that is available for your circumstances then our advisors will be able to find it and will discuss it with you.

Yes, once we have found you a suitable lender then we are able to  provide you with an agreement in principal. An Agreement In Principal is when a specific lender does a credit check against you and reviews your initial details, it will state the lender is provisionally happy to lend you the amount of money requested.

Once you have an Agreement In Principal you can be confident that you can get a mortgage and put an offer in on a property. Alot of estate Agents since Covid are asking for an Agreement In Principal before allowing you to view a a house