First Time Buyers

Buying a property for the first time can certainly appear to be a daunting experience – it is not as simple as finding the cheapest mortgage rate on offer and applying for it. Mortgage Regulation has brought in strict guidelines regarding affordability and all lenders have different ways of assessing a client.

We promise to take the time in guiding you from the very start of the journey, right through to the point you receive the keys to your first home, and beyond.

What Are The Steps Involved?

We usually arrange a chat with you over the phone initially and help you understand the amounts you can borrow, costs of buying a property and the likely monthly payments. We will summarise our entire conversation to you by email and explain the next steps in terms of helping you obtain a mortgage.

Once we have all the necessary information, we can obtain an AIP (Agreement in Principle) which you can use to show estate agents, evidencing your ability to obtain a mortgage. We are more than happy for you to provide our contact details to the agent, should they need your offer to be ‘financially qualified’.

Once you have an offer we will help secure the right mortgage deal based on your needs and requirements and liaise with the estate agent, mortgage lender, solicitor, surveyor and all associated parties to ensure that the mortgage offer is issued as quickly as possible. We will also help you with all the legal forms that need to be completed and guide you right through to getting the keys to your first home.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.