First Time Buyer Mortgage | Clear, Supportive Advice

Why Buying First Time Feels Hard

Deposits, ever-shifting government schemes, estate-agent pressure and the sheer volume of paperwork make buying your first home feel daunting.

Many would-be buyers waste months chasing properties they can’t finance, or hand over sensitive data to the wrong lender and damage their credit score in the process.

We’ll help guide you through the process from start to finish.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

1st Time Buyer

Our Solutions

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Access to a panel of 50+ mainstream and specialist lenders so you’re matched, not squeezed, into a product
Fast Agreement in Principle (AIP) so you can view and offer with confidence
Guidance on deposits – savings, Lifetime ISA, gifted funds or scheme equity
End-to-end support from application to the day you pick up the keys

...all managed through an easy 6 step process.

Step 1: Discovery Call

After collecting your photo ID and recent payslips, we carry out a detailed fact-find, confirm your identification securely, and work with you to outline and sketch a clear picture of your budget.
Step 2: Verify Deposit

After providing either screenshots of your savings or a gifted-deposit letter, we carefully confirm that all funds come from acceptable sources, whether savings, financial gifts, Lifetime ISAs, or shared scheme equity.
Step 3: Agreement In Principle

After you provide your basic documents, you are free to begin viewing homes while we research and source the most suitable lender for your needs, then move forward to secure an Agreement in Principle (AIP).
Step 4: Full Application

After you upload your bank statements, credit report, and property details, we complete and submit all the necessary application forms along with the required supporting documentation on your behalf.
Step 5: Valuation & Offer

After you review the offer together with us and instruct your solicitor, the lender arranges a professional valuation of the property, and once complete, they move ahead to issue a formal mortgage offer.
Step 6: Exchange & Completion

After you arrange your buildings insurance, which is a mandatory requirement, we progress with completing the necessary searches, and you can go ahead to confirm and set your official moving date.

Document Checklist

Passport or photocard driving licence
Proof of address dated within 3 months (utility bill, council-tax letter)
Last 3 months’ payslips & latest P60 or 1-3 years SA302s if self-employed
Last 3 months full bank statements – all pages, all accounts
Evidence of deposit (savings statement, LISA, gifted-deposit letter)
Experian/Equifax/TransUnion credit report (we recommend CheckMyFile for all-agency view).

Bring these to your first meeting to avoid delays.

Expert Tips

Secure an AIP before house-hunting

Estate agents will ask for proof of funds.
Tidy your credit file

Settle overdrafts and make payments on time for at least three months first.
Consider a gifted deposit early

Some lenders need the gift in your account 14 days before completion.
Budget for fees

Valuation, survey, legal, stamp duty (currently nil on the first £425k for FTBs in England).

Here to HELP

What lenders look for

Income & Employment

Salary, bonuses, overtime or self-employed drawings and how long you’ve earned them.
Outgoings & Credit History

Debts, childcare costs and your six-year credit footprint.
Deposit & Loan-to-Value (LTV)

Bigger deposits usually mean lower rates.
Property Suitability

Construction type, new-build status and number of acres can all matter.

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First Time Buyer

Unlock your first home with expert, with expert mortgage advice