Applying for your first mortgage is easy. Simply complete the quick enquiry form below and our team will search over 90 lenders, with rates exclusive to us.
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Our advisors are available Monday-Friday 9am to 8pm and Saturday 9am-3pm, giving you plenty of opportunity to seek a quick overview of what your mortgage deal could potentially look like.
You will be matched to an advisor who will answer your questions, queries and provide quality advice for your personal circumstances and the specific mortgage product suited to you.
So, you’ve found the perfect house and you’re ready to put in an offer, exciting stuff.
First of all, an estate agent will probably want to check that you’ve got a Mortgage Agreement in Principle in place. In fact, if you haven’t even started your house hunt yet, now would be a great time to get one of those.
The good news is, we can get one sorted for you in no time.
Unlike most high street banks, we have access to over 90 lenders to suit all kinds of circumstances. We’ll help you to find the best first time buyer mortgage to get you on the property ladder, whether that’s a mortgage with a low interest rate or even a lender offering free valuation or legal fees.
When applying for a first time buyer mortgage, several things are taken into consideration such your annual salary, your monthly outgoings and the deposit amount you’ve managed to save up so far.
Have a chat to us about your situation and before you know it, we’ll get to work sorting out your Mortgage Agreement in Principle. Once you’ve got that, you’ll have a much better idea of exactly how much you can afford, and what your monthly mortgage repayments might be.
If you’re wondering “how long does a mortgage application take to approve?“, the answer is it depends on a number of factors determined by you, the buyer, the seller and local authority. Your credit score is also an important factor when applying for a mortgage.
As much as you can. As a general rule, the more you can save towards a deposit, the better your first time buyer mortgage rate will probably be.
Aim to put down at least 5-10% of your chosen property’s value. So if you’re looking to buy a £100,000 house, try to save at least £5,000-10,000 as your deposit.
Yes, there are. As well as your mortgage and deposit, there are a few extra fees to pay when you buy your first home.
You will be pleased to know that our advisors can carry out a “Cost of Moving” calculation for you, which will give you an idea of how much money to set aside for these fees.
The good news is that as a first time buyer you’re already pretty attractive to sellers. Nobody likes a chain, and first time buyers may be able to obtain a property with a lower offer if they are not weighed down with a complicated chain behind them.
But how can you make the banks want to lend to you? All they want is evidence that you will be able to keep up with your mortgage repayments. Here are some things you can do to put them at ease.
We would just like to thank you for all the hard work and time you have spend over the last few months arranging us a new mortgage deal. We will save so much. We are very thankful for securing us our first mortgage and enabling us to buy our lovely family home we will be forever grateful. Thank you for all the phone calls, emails and answering any questions I had when re mortgaging, you made the process quick and easy.
Thanks, the move went well and we are now surrounded by boxes but excited about starting the next chapter of our life in the new house. Marianne and I would like to say a huge thanks to you for your help in arranging this mortgage and will be recommending you to all our friends. It really has been a lot easier having professionals like yourselves managing the process.
Just want to say a massive thank you for helping us buy our dream home, you made the whole mortgage application stress free! We got a brilliant deal, which was fully explained and we were kept informed throughout every step of the mortgage application journey. Whilst the mortgage application was being approved, they also sorted our insurance policies and completed a re-mortgage on another property.. absolutely brilliant service!
Your team have gone above and beyond to help me and my partner get our first house. I am so impressed by how helpful and understanding they have been throughout the process. I spoke with you on the off chance during my search for a mortgage and less than a week later we had an offer accepted on a house. Me and my partner were pretty clueless when it came to the mortgage process but thanks to the team we have now completed on our first perfect home.
Just thought I’d drop you a quick email to say thank you for your wonderful service and helping us out massively in purchasing our first home together in Ashton. We couldn’t have done it without you and you explained everything so well and made sure we had a good understanding. Thank you again! And if we ever need more advice expect to hear from us!!
Representative Example: If you borrow £15,000 over 10 years. Initially, on a fixed rate for 5 years at 5.10% and for the remaining 5 years on the lender’s standard variable rate of 5.05%, you would make 60 monthly payments of £184.29 and 60 monthly payments of £185.99. The total amount of credit is £17495; the total repayable would be £22,216.80 (this includes a Lender fee of £995 and a broker fee of £1,500). The overall cost for comparison is 8.8% APRC representative.
Rates between 3.4% to 29.% APRC. Repayment terms between 3 and 30 years.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Think carefully before securing other debts against your home
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.