Independent Mortgage Broker
First Time Buyers Independence
For First Time Buyers, whether you're moving in with, or moving out from, it's a big step.
A First Time Buyers Maiden Voyage
The journey to becoming a homeowner
A first time buyer's first mortgage can feel like setting sail on a new adventure.
With decades of experience in mortgage solutions, we’re here to guide you every step of the way. Our goal is to help you secure a mortgage that fits your needs, one you can comfortably afford while leaving room for those inevitable rainy days. We keep things simple: no jargon, no stress—just expert guidance to make your journey as smooth as possible.
Smooth Sailing Ahead
The first step is understanding you. We take the time to discuss your unique needs, goals, and aspirations, building a clear picture of your financial situation. By considering your income, outgoings, and lifestyle, we determine how much you can borrow. While most lenders offer up to 4.5 times your salary as a general guide, we provide more than rough estimates. With detailed illustrations, we outline your initial and ongoing monthly costs so you know exactly what to expect. This way, you can confidently plan for the future.
Once we have a clear understanding of your needs, we’ll help you get mortgage-ready. The first step is securing a Decision in Principle. This document shows estate agents and sellers that you’re serious about buying and that your finances are pre-approved. It gives you the confidence to move forward and helps ensure your dream home doesn’t slip away.
From there, we manage the entire mortgage application process on your behalf. We handle all the paperwork and liaise with lenders until we secure a formal mortgage offer that meets your requirements. Need a solicitor? We can recommend trusted professionals to assist with the legal aspects of your purchase.
As you move toward owning your new home, it’s also important to think ahead and protect your investment. Life can be unpredictable, and safeguarding your financial future is a wise step. From income protection to life insurance, we’ll guide you through the options available, ensuring you and your loved ones have peace of mind.
We’re with you every step of the way, from the first conversation to the moment you receive the keys to your very own front door. With our expertise, you can focus on the excitement of starting this new chapter while we take care of the rest.
Your journey starts here — and we’re ready to make it simple, stress-free and successful.
Top tips for first time buyers
Deposit
Its always good practice and responsible to start saving as soon as you can.
No matter how little or much you can put away, its very important. Typically you need at least 5%
Credit File
We recommend checkmyfile.com Its responsible to keep a regular eye on your credit file to make sure you are in top shape
Location
Where to buy, journey time to work, transport links, value now and in the future
Property questions
How long has property been on the market, what are the neighbours like, what is the neighbourhood like, social life?
Bills
Anticipate these when moving in - Gas/ Electricity, service charge, ground rent, water, tv, internet, insurance
Future sale
You may have just moved in but think about the future saleability of the property, is it above a shop, is it an upcoming area, future transport links, 2 beds is better than one
First time buyer schemes
Help to Buy, Shared Ownership
Documents
You'll need to gather - identification, proof of address, proof of income, bank statements
Costs to consider
Lender and broker costs, valuation costs, solicitor costs, stamp duty, moving costs, furniture, decorating