Mortgages for First Time Buyers
Being a first time buyer is not easy and taking the first step on the property ladder can be daunting. We are here to guide you through every stage of the process.
Navigating Your First Mortgage
Securing your first home requires understanding the different ways you can fund your deposit and structure your mortgage. We specialise in helping first time buyers with:
How Much Deposit Do I Need?
Getting a deposit together is often the biggest hurdle. We can help you explore 5% deposit
options, regional schemes, and understand exactly what lenders are looking for so you know
what to aim for.
Guarantor & Parental Help
If your income isn't quite enough for the loan you need, a guarantor mortgage allows a
family member to guarantee the mortgage, taking their income into account to significantly
boost your borrowing power.
Bank of Mum & Dad
Parents gifting a deposit is incredibly common. We guide you and your family through the
gift letter process and ensure lenders correctly and smoothly accept the source of funds
without delays.
Joint Borrower, Sole Proprietor
This enables parents to join the mortgage to boost your affordability profile, but they are
not listed on the property deeds. This avoids the second home stamp duty surcharge for the
parents while helping you secure the home.
Jargon-Free Expert Advice
The mortgage market is full of complex terminology. We promise to break everything down into plain English, from getting an Agreement in Principle to Completion, ensuring you feel confident and informed throughout your entire property journey.