Independence Day

For First Time Buyers, whether you're moving in with or moving out from, it's a big step.

Independence Day

For First Time Buyers, whether you're moving in with or moving out from, it's a big step.

Before your maiden voyage

there are probably a few things that you're already thinking about...

How much can I borrow?

Are there other costs on top?

Should I just go to my bank?

How much will it cost me?

Why are there different types of mortgage?

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Will I even be accepted for a mortgage?

Where do I start?

How long can I borrow for?
Is now the right time to buy?
How much deposit will I need?

Are there any hidden costs?

How do I know which lender to go to?

...thankfully at Lodestone we can help

We've got decades of experience and are qualified in all aspects of mortgage finding and matching. Whatever your situation there will be a financial product that will suit. We'll work with you through the application process to secure a mortgage you can afford whilst leaving room for a rainy day or two.

No jargon, no stress.

Before sailing

  • We will discuss your needs/ goals/ and aspirations with you - then guide you to the most suitable mortgage
  • We will let you know roughly how much you can borrow based upon the information to hand - lenders consider your income, outgoings and lifestyle
  • As a rough guide 4.5 times your salary is a good estimate
  • We will provide you with illustrations that clearly outline all your initial and ongoing monthly costs
  • We will obtain a decision in principle for you which shows estate agents that you are serious and have your finance pre-approved

After launch

  • We will apply for your mortgage and take care of all the paperwork, but we don't stop there
  • We can even provide you with a solicitor if needed
  • We'll keep working hard until we get your formal mortgage offer from the lender
  • We'll guide you through the various protection options available to you
  • Were with you every step of the way until you get the keys to your very own front door

Book a call at a time to suit you

Case Stories

Upon a friends recommendation We used Craig's services as first time buyers in the height of lockdown.

Craig was very helpful throughout the whole experience. He advised above and beyond what was needed and truly helped guide us through the biggest purchase we've made to date. We couldn't recommend Craig more and will definitely return to use his services again in the future!
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Top tips for first time buyers


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 Its responsible to keep a regular eye on your credit file to make sure you are in top shape

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?

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

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

The start of

and the end of

You'll soon be able to purchase your first property quicker and with considerably less stress. Reduce anxiety and confusion throughout the process.

Let's get started

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