Welcome to your home buying adventure!
We’ll help you think beyond the mortgage — protecting your income, your home, and your future so that whatever life throws at you, you and your family are financially resilient.
Step one: Your first hello
When you get in touch, we'll have a friendly chat about your home-buying dreams. No jargon, no pressure – just real talk about what you're hoping to achieve and how we can help make it happen.
Step two: Getting to know the real you
This is where we dig deeper (in the nicest way)! We'll explore your goals, lifestyle, budget, and crucially, what would happen if life threw you a curveball. Because buying a home isn't just about affording it today; it's about keeping it tomorrow
Step three: Your financial safety net check
Let's be honest – you're probably focused on deposit sizes and interest rates right now. But what's the point of getting the keys if you can't keep them? We'll look at how secure you'd be if illness struck or you couldn't work. Think of it like car insurance – your home is probably your biggest investment, so it deserves the same protection.
Step four: Finding your perfect mortgage match
Armed with everything we know about you, we'll hunt down mortgage deals that fit like a glove. First-time buyer perks, deposit matching, affordability that works for your real life – we've got you covered.
Step five: Getting your ‘yes’ in principle
This is the exciting bit! We'll get you that all-important Agreement in Principle – your golden ticket that shows sellers you're serious and ready to buy. We’ll also set you up on our handy Mortgage Wallet app, so you can track everything from your phone.
Step six: The paperwork marathon
We know, we know, nobody loves paperwork. But we'll handle the heavy lifting, checking everything twice and submitting your application while keeping you in the loop every step of the way.
Step seven: Your personal project manager
While your application works its magic, we'll be your liaison with lenders, solicitors, and insurance providers. Consider us your personal home-buying project manager, keeping everything moving smoothly.
Step eight: Keys, cover, and celebration!
Your mortgage offer arrives, your protection insurance is locked in, and you're ready to get those keys! Everything's in place for you to move forward with complete confidence.
Step nine: We’re still here tomorrow
Life changes, and when it does, we'll still be in your corner. Annual reviews, remortgage advice, protection updates – think of us as your long-term financial friends.
Mortgages for first time buyers
Buying your first home is thrilling, nerve-wracking, and everything in between. Even the most self-assured first-time buyers can find the unknown process overwhelming.
Fear not, because we’re here to assist. Beyond answering the ‘how to get a mortgage’ and ‘what’s our search budget’ questions, we’re ready to address all your related queries. Consider us your go-to resource, from ‘when should we engage a solicitor’ to any other concerns you may have.
Welcome to your home buying adventure!
Let’s chat. We’ll delve into your unique situation and collaboratively craft a tailored action plan to guide you into your first home.
We’ll help you to understand how much a mortgage will cost, whether you can afford it, what deposit you need, what type of mortgages are available, and whether you’ll qualify.
Whether you’re ready to make a move or just considering it, we’ll help you become mortgage-ready – it’s never too early to start a conversation with us.
Call us at 01277 633123 to take the first step toward making your home ownership dreams a reality.
Explore your options
There are many ways to get your feet on the first rungs of the property ladder. Here are a few options to consider:
Shared Ownership:
Securing a mortgage for shared ownership means you won’t initially own the entire property. This option allows partial ownership, with the remaining portion considered a rental, often in collaboration with a housing association. You can gradually buy out the rental portion as your status or income increases.
How much deposit?
To buy your first home you may only need a minimum 5% deposit. The more deposit you are able to place down will be reflect in a lower rate charged by the mortgage lender.
Right to Buy:
Council tenants can purchase their homes at significantly discounted prices through this option. We’ll talk you through the process.
Your journey to homeownership begins here. Call us, and let’s turn your homeownership dreams into reality.