First Time Buyers

Starting out can be daunting. We have the answers you need for buying your first home.

Here we have everything you need to know as a first time buyer. The basics to give you an understanding of what's what, a comprehensive list of extra costs involved when buying a home, and information on help that is available for you.
We have put this in place to make navigating the mortgage world a little easier, if you require a mortgage broker and confidential advice on getting a mortgage, get in touch today.

First Time Buyers
Need to know
FAQ's
Calculators

What you need to know The essential answers for first time buyers

Know the basics as a first time buyer

Our advice is 100% totally free and there is no worry about sales visits as we do not have any sales people to come knocking on your door! Nor do we sell insurance. We are 100% dedicated to mortgages & remortgages.

What are the different types of mortgage?

How will your credit score affect your mortgage?

How long does it take to get a mortgage?

What are the costs involved?

Buying a house does not simply cost the price of the house. There are multiple other costs to take into consideration before deciding what you can afford. These include but are not limited to:

What is stamp duty?

What are the different types of mortgage?

The forgotten costs of buying

What schemes are available to me?

We have provided you with additional tips and tricks to get all the home you need when buying your first home,

What schemes can help me?

How can I improve my credit score?

What is Help to Buy?

Calculate how much you can borrow

Our calculator can quickly tell you how much you may be eligible to borrow for a mortgage deal. This can set you on the right path and give you an idea of what to be aiming for when house hunting.

Your Salary

Partner's salary (if applicable)

You may be entitled to borrow

up to £

What Now?

Your almost there, all you need to do is fill in our mortgage enquiry form and youll be on your way to finding the best deal that suits you.

Click here to fill in the form for a free quotation.

Get free advice & free quote today

CALL US ON 01792 850 017.

Mortgages to suit you Getting a mortgage can be daunting to begin with but knowing which mortgage type us right for you can be a mammoth task for any first time buyer. Pile on top the fact that house prices continue to rise, many first time buyers can only manage to put down a small deposit, restricting their options.
Luckily your in good hands as we have produced a selection of mortgage types to suit you.

95% Mortgages

This is a loan which covers 95% of the value of the property you are looking to buy. These mortgages…

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Fixed Rate Mortgages

This mortgage means the interest rate (and monthly repayments) will stay the same for a specified period of time. This…

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Repayment Mortgage

As the most popular mortgage available, this option simply requires you make monthly repayments for a mutually agreed term (usually…

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Tracker Mortgage

Also known as a Tracker Mortgage, this type tracks the Bank of England interest rate for a set period of…

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Capped Rate Mortgage

A capped rate mortgage is a type of variable rate mortgage (link back to variable rate). The difference with this…

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Things to consider We've handpicked the mortgage types that best suits you. Scroll through the different mortgages on offer. If one takes your interest, then dont waste your time and click the find out more button. Find out the pros and cons of the chosen mortgage type.

How Long Does a Decision In Principle Last?

A 'Decision In Principle' is a statement of some sort from a lender declaring what they would be willing to…

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Is it cheaper to rent or buy a house?

This is entirely dependant on your situation. In the long run, it can be cheaper and can gain greater returns…

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Pay nothing on stamp duty in England, Wales & Scotland

Updates made to Stamp Duty means that first time buyers (England, Northern Ireland and Wales) will not have to pay…

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Questions to ask when buying a house

Why is the owner selling the house? How long has the property been up for sale? Exactly what is included…

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Help for first time buyers

Buying a home for the first time can be very daunting, but we can guide you through all the right's…

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How long does it take to get a mortgage?

As a rough guide, the mortgage process usually takes between 4 and 8 weeks. If there are any unforeseen circumstances…

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How do I remortgage my home?

Before making any steps towards remortgaging, do your research. Work out how much you can actually afford to pay. Get…

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