When you take out a mortgage, we’ll need to think about the repayment method, interest rate and special features of some mortgages

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in advance and make sure you know
what all the costs of moving will be.

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Searching for the ideal mortgage can be a daunting experience. As an independent broker our service is impartial helping you find the perfect mortgage that suits your needs

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First Time Buyer's Mortgages

first time buyers mortgages
Buying a house is one of the most important purchases you will make. Buying a home for the first time can be an even more daunting prospect. With so many factors to consider it can be difficult to know where to begin when looking for your first mortgage.

There are a wide range of providers and mortgages across the market providing a vast selection of mortgages to choose from, and useful though it may be to have plenty of choice, it can leave you feeling completely daunted and confused. Because we have access to the entire mortgage market, we can compare the range of mortgage products available for first time buyers, including shared ownership mortgages, and find the best mortgage deal to suit your own personal needs.

Your home may be repossessed if you do not keep up repayments on your mortgage.

You are not limited to just mortgages designed for first time buyers. Depending on your circumstances we will recommend the best mortgage for you from the wide range of mortgages on the market for house movers, such as the lowest fixed rate mortgages or base rate tracker mortgages. So, rather than trawling the high street and agonising over your choice, you could save time and potentially a large amount of money, by contacting us and getting the very best mortgage quote for your situation.

Mortgage FAQs

  • I have little or no credit history, can I still get a mortgage?
  • Does my student loan affect how much I can borrow on my mortgage?
  • Do you do guarantor mortgages?
  • What fees can I expect to pay when buying our first home?
  • Can I use a deposit gifted from family?
  • Can you arrange a mortgage using Help to Buy?
Most mortgage lenders understand that first time buyers will have limited credit history so don’t worry. If you have bad credit, i.e. you’ve missed payments on credit, then we would recommend that you send us a copy of your credit report. Some people think that taking out credit will help boost their credit score to help them get a mortgage, we would advise against this as applications for credit and outstanding credit can negatively affect a mortgage application.
Mortgage lenders do take student loan payments into account when they assess your ability to repay your mortgage. Some mortgage lenders may give an allowance for student loans so having one may not affect how much you can borrow.
Guarantor mortgages are not widely offered by lenders and can be very restrictive. Although this is something we can advise on there may be alternative solutions that work better for you.
When buying your first home and getting your first mortgage there are several fees that may be payable, some need to be paid upfront, others can be added to the loan.
Valuation Fee – needs to be paid upfront but not all mortgages have a valuation fee
Arrangement Fee – can be added to your loan but not all mortgages have an arrangement fee
Mortgage Broker Fee – there may be no mortgage broker fee but if there is it will be due after a mortgage offer is issued
Conveyancer Fee – these need to be paid directly to the solicitor or conveyancer
Stamp Duty – As a first-time buyer you may not need to pay stamp duty
Most lenders will allow you to use a deposit gifted from family to help you buy your home.
Yes, we help lots of our clients purchase homes using the Help to Buy schemes.