First Time Buyer

Buying your first home is an important milestone, but it can also feel complex and unfamiliar. From understanding how much you may be able to borrow to navigating mortgage products, deposits, and legal processes, there are many decisions to make. Our role is to guide you through each stage, explaining your options clearly so you can move forward with confidence.

As a first-time buyer, you may have access to a range of mortgage products and government-backed schemes, subject to eligibility and lender criteria. We take time to understand your income, outgoings, future plans, and any support you may be receiving, such as gifted deposits, before recommending a suitable mortgage. All advice is provided in line with FCA requirements and tailored to your individual circumstances.

• Assess affordability and borrowing options
  We review your income, outgoings, and future plans to help you understand how much you may be able to borrow, subject to lender criteria and affordability assessments.

• Explain mortgage options clearly
  We guide you through different mortgage types, rates, and features, explaining the benefits and risks in plain language so you can make informed choices.

• Support with deposits and schemes
  We advise on deposits, including gifted deposits from family, and explain relevant schemes where available, subject to eligibility and lender requirements.

• Manage the application process
  We support you from initial application through to mortgage offer, liaising with lenders and keeping you informed at each stage.

• Highlight ongoing costs and protection needs
  We help you understand fees, repayments, and the importance of protecting your home and income, ensuring risks are clearly explained.