first time buyers

Buying your first home is one of life's biggest milestones, but it can feel overwhelming with so many mortgage options, government schemes, and legal processes to navigate. We're here to guide you through every step, making your journey to homeownership as straightforward as possible.

Expert Guidance - We explain everything in plain English, helping you understand your options without the jargon. No question is too small when it's your first time.

Whole Market Access - We search across hundreds of mortgage products to find the best deals for first-time buyers, including exclusive rates you won't find on the high street.

Government Scheme Specialists - We'll help you explore schemes like Help to Buy, Shared Ownership, and the First Homes scheme to see if they could help you buy sooner.

Deposit Advice - Struggling with a large deposit? We work with lenders offering 95% mortgages and can advise on family assistance schemes.

End-to-End Support - From your initial enquiry through to getting your keys, we coordinate with solicitors, surveyors, and estate agents to keep everything on track.

Proof of Income - Recent payslips, bank statements, and employment details

Deposit - Typically 5-20% of the property value

Good Credit History - We can help even if your credit isn't perfect

Affordability Assessment - We'll work out exactly how much you can borrow

High Loan-to-Value Mortgages - Borrow up to 95% of your property's value with as little as 5% deposit.

Help to Buy Equity Loan - The government lends you up to 20% (40% in London) of the purchase price, interest-free for the first five years.

Shared Ownership - Buy a share of a property (usually 25-75%) and pay rent on the remainder, with the option to buy more shares later.

Family Support Mortgages - Various schemes allowing family members to help with deposits or act as guarantors.

Ready to start your homebuying journey? Get in touch for a free consultation where we'll assess your situation, explain your options, and give you a clear picture of what you can afford. We'll then provide you with a mortgage agreement in principle, so you can start house hunting with confidence.

Your home may be repossessed if you do not keep up repayments on your mortgage.