Professional mortgage advice to help you get on the property ladder. Whether your situation is straightforward or complex, we're here to guide you through the process.
Buying your first home is exciting but can feel overwhelming. We simplify the process and help you understand exactly what you need, whether your situation is standard or requires specialist expertise.
First time buyer mortgages work differently from subsequent home purchases. Lenders assess you more carefully as you have no property ownership history, but various schemes and products exist specifically to help first-time buyers.
Key considerations:
We work with first time buyers in all situations - from straightforward employed applicants to those with complex circumstances that require specialist lender knowledge.
Our service includes:
Many first time buyers have self-employed income, contract work, or other non-standard earnings. While this may limit some lender options, we have access to specialist lenders experienced in assessing complex income for first time buyers. Don't assume you can't get a mortgage - speak to us about your specific situation.
Understanding the process helps you prepare effectively and know what to expect at each stage.
We review your income, deposit, credit situation, and requirements to understand what's achievable and identify any potential challenges early.
We search our lender panel to find suitable products for your situation, considering rates, fees, and lender criteria that match your circumstances.
Once you're ready to view properties, we arrange a mortgage decision in principle so you can make offers with confidence about your borrowing capacity.
When your offer is accepted, we proceed with the full mortgage application, providing all necessary documentation and managing the process.
The lender processes your application, arranges property valuation, and assesses everything. We handle queries and keep you updated throughout.
Once the mortgage offer is issued, your solicitor handles the legal work leading to exchange and completion - when you get your keys!
First time buyer deposits typically range from 5% to 20% of the property purchase price. Larger deposits generally provide access to better interest rates and more lender choice.
Deposit sources lenders accept:
Lenders assess affordability based on your income, regular outgoings, credit commitments, and living costs. Different employment types and income structures are assessed differently.
Income types we help with:
If you're self-employed, contracting, or have non-standard income, you may need specialist lenders who understand complex income assessment. We have extensive experience helping first time buyers with varied employment situations access suitable mortgages. Your employment status doesn't prevent homeownership - it just requires the right lender approach.