First Time Buyers

Introduction

Buying your first home can feel overwhelming, but with us by your side, it doesn't have to be. Our goal is to simplify the journey for you, from understanding the mortgage process to knowing exactly what to expect with costs.

The mortgage market is always changing, from the types of deals available to the way lenders assess applications. That’s where we come in – to keep you updated on what’s new and what matters most.

When it comes to securing a mortgage, lenders look closely at three main areas:

• The Property – its type, condition, accessibility, and location

• Your Employment – income stability, frequency, and how long you've been in your role

• Financial History – current and future financial commitments, and your credit history

Today’s lending focuses on affordability, going beyond the traditional income multiplier to assess what you can genuinely afford after your day-to-day expenses. Our expertise means we’re up to date with all the latest regulations, industry changes, and economic trends. We’re committed to understanding your unique needs, matching you with the right lenders, and ensuring that both you and your loved ones are protected once you've found your new home.

Climbing the property ladder

As a first-time buyer, you’ve got an advantage: being chain-free makes you a more appealing buyer. And with access to a range of lenders, we’re in a great position to help. While a larger deposit is often required, options like 95% mortgage deals are out there, and government assistance might be available too.