We’ll show you how much you can borrow and the amount of deposit you’ll need. We’ll also explore the different mortgage options with you, recommend which one is right for you, and explain how much your repayments will be.

We’ll be by your side through every step of the process, ensuring the road from finding your dream home to moving day will be as smooth as possible.

Clients ask us…

How much do I need for a deposit?

You'll need to save at least 5% or more of the property’s value as a deposit, meaning you’ll borrow the rest of the money from a lender.

How much can I sensibly afford to borrow?

The amount you’ll be able to borrow will depend on your current debts, outgoings and incomings. We’ll help you calculate how much you could afford to borrow and the monthly repayments.

How long does the process take?

Usually, it can take around three months to buy your first home, but, of course, this can vary from move to move. We’ll do everything we can to make sure your mortgage application is completed as efficiently as possible.

Why should I use a mortgage adviser?

There are several reasons. Firstly, we make shopping around easier. Secondly, we’ll use our experience having done this countless times before, to find you the right mortgage. Finally, we’ll take care of all the paperwork so you don’t have to, and remove the hassle.

What fees will I pay?

You’ll need to consider various fees, such as solicitor and survey fees. We’ll sit with you and work out accurate costings specific to you, so things are crystal clear from start to finish.

How can my parents help me buy my first home?

Getting onto the property ladder is hard, but in some cases parents can be in the position to help. Where appropriate, we’ll advise on living inheritance, family, guarantor and joint mortgages, to discover which option is right for you.

What do I do next?

As a first-time buyer it can be difficult to know what the process is. We’re here to offer guidance on the different stages of the buying process. We also have connections with helpful local professionals such as solicitors who we can introduce you to.

How we help first-time buyers

We’ll work with you to make the complicated process of buying your first home as easy as possible:

  • We’ll show you how much you can borrow and tell you how much it will cost each month
  • We’ll explain the different mortgage options and recommend the right one for you
  • We’ll explain the fees you need to pay
  • We’ll introduce you to a trusted solicitor
  • We’ll process your application and keep you informed every step of the way
  • We’ll always be available to answer any questions you might have to deal with any problems that arise.

Unfortunately, if any of the following circumstances apply to you, then we won’t be able to help:

  • You are looking for a mortgage for less than £150,000
  • You have been self-employed or contracting for less than one year
  • You are looking for a self-build mortgage or bridging loan
  • The property you are purchasing, or re-mortgaging, is a (or above a) commercial property
  • You have an adverse credit history, such as:
    • A County Court Judgment (CCJ) in the past three years
    • A default of more than £500 in the past three years
    • A Debt Relief Order (DROs) or Individual Voluntary arrangement (IVA) in the past six years
    • A history of bankruptcy
    • Any unsatisfied default.

Start your journey

Whatever stage of life you are at, we are here to help you achieve your financial goals and gain financial security.


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Get in touch

Drop by and we’ll pop the kettle on. Alternatively, send us a message and one of us will be in touch.