First time buyer mortgage

Need a mortgage for your first home? need a First Time Buyer mortgage!

Buying your first home is one of the biggest, but most exciting decisions you will ever make. Getting onto the property ladder can be a daunting prospect, that's why we are here to guide and assist you every step of the way.

Buying your first home is a big decision and we are to help you make the right decisions and guide you through the house buying and mortgage process. Whether buying on your own, with a partner, spouse or friend, there are a lot of things to consider in order to get onto the property ladder. The biggest of these is your mortgage and we have access to a range of first time buyer mortgages that you can access. If your family are looking to help, we also have family assist and springboard mortgages to help you buy your first home. Start your journey today.

Start your journey today....

Just some of the mortgage lenders that we work with...

So, what is a first-time buyer mortgage?

Think of a mortgage as a low rate, long - term loan that exists to help people buy property. You’ll need a deposit of at least 10%* of the property value and you take out a mortgage to pay for the rest. Before you start looking, we recommend that you get your 'agreement in principle' sorted first. Found out why!

All mortgages have interest applied to them that is paid back over the term of the loan along with the capital borrowed. There are different types of mortgages; tracker mortgages, variable mortgages, off-set mortgages, capped mortgages and more. For first time buyers, we recommend a fixed rate mortgage. This means your payments are fixed for a set period of time so you know exactly what you are paying every month. Capital repayment mortgages allow you to pay back a bit of the capital borrowed plus some interest each month, while with interest-only mortgages, you only pay the interest each month. At the end of the mortgage term, the full capital amount borrowed is paid back in full. Mortgage terms tend to be between 15 & 40 years depending on your circumstances, affordability and lenders criteria. Every case is different and out mortgage advice is tailored to you personally.

Mortgage lenders tend to have specific products for first-time buyers and there are lots to choose from, which is why it’s important to get some advice and support from a mortgage broker. We will explain the options and help you to make the right choice. There are also mortgages available that allow family members to help; Family Assist and Springboard mortgage being the main two. 

There are also government schemes that can help first time buyers get onto the property ladder; Help to Buy - shared ownership and Help to Buy - Equity loan. For more information, please follow this link.

*subject to availability, lenders criteria, credit scoring and individual circumstances

How much can I borrow and what are the costs?

We can help you find out how much you can borrow, what your repayments will be and understand associated costs.

Get an agreement in principle

An agreement in principle or mortgage in principle will enable you to make an offer on your dream home.

What happens after my mortgage is offered?

Once your mortgage is offered, you are almost ready to pick up the keys to your new home.


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