First Time Buyer

Buying your first home is an exciting yet daunting prospect, especially in today’s current economic climate. However, we are committed to making it as stress-free and seamless as possible. 

In a fast-moving market, we understand you need to be able to move swiftly and with confidence.

You could trawl the high street and the Internet to see which deals are suitable, you could even talk to a mortgage adviser at your local bank, but they will be restricted to selling you their own mortgage products. By using an impartial, independent whole of market broker, we can offer free, impartial advice to ensure that your needs are prioritised over the lenders’ profits. As a first time buyer, we appreciate that you will have many questions that need answering so we will guide you through the process.

How it works

Initial chat

Firstly, we’ll need to understand your financial position and what your plans are to calculate the size of mortgage that might be available to you.

You will need to gather details of your household income, expenditure, details of any loans, credit cards, as well as utility bills and also any regular outgoings such as season tickets or childcare costs.

We’ll also help advise on the size of mortgage that would be sensible to have, as many lenders may be willing to lend you more than you would wish to pay each month.


Explain the house buying process and help you understand the different interest rate options available.


Explain the difference types of insurance that may be suitable for you and the property.

Complete a DIP

Organise a decision in principle so that you are ‘purchase ready’ to begin making offers on properties.

Review Home Reports

We can review Home Reports for any properties you’re seriously interested in to highlight any issues lenders might have.


Once an offer has been accepted, finalise the research and recommend and organise the mortgage and insurance.


Liaise with the solicitor to make sure things are moving along as they should.

Wish you well! 

Wish you good luck in your new home and diarise to get back in touch with you a few months before your mortgage deal expires.

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