PROFESSIONAL PROPERTY PEOPLE

Your First Home.
We will get you there.

Buying your first home is one of the biggest decisions you will make. We make the process straightforward, from saving the deposit to getting the keys. Whole of market access, no upfront fees, every type of case welcome.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT
KEEP UP REPAYMENTS ON YOUR MORTGAGE.
First-Time Buyers

What a first-time buyer mortgage actually is

A first-time buyer mortgage is designed for people purchasing their first home. Lenders often offer competitive rates and lower deposit requirements to help new buyers get onto the property ladder, plus government schemes that reduce the deposit, the tax, or both.
As an independent broker we search the whole UK market to find the right deal for your specific situation. Your income, deposit size, employment type, credit history, and the property you want to buy all affect which deal is right. The high street can only sell you their product. We can find you the one that actually fits.
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5% deposit possible
You can buy with as little as 5% deposit, though 10% or 15% unlocks better rates. We will tell you what your number actually buys.
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AIP in 24 hours
We arrange your Agreement in Principle within 24 hours so you can make offers on properties with a clear budget and seller confidence.
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Government Schemes
We advise on Shared Ownership, First Homes, the Lifetime ISA, and Right to Buy. We tell you which actually fit your situation, not all of them.
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No Upfront Fees
We only charge a broker fee on completion. If your mortgage does not complete, you do not pay us anything. No hidden costs, no surprises.
How We Help

Everything We Do For You

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Agreement in Principle
We arrange your AIP quickly so you can make offers with confidence and a clear budget.
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Whole of Market Search
We compare deals across 90+ lenders to find the right product, not just the easiest one.
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Application Management
We handle the paperwork and liaise with the lender on your behalf, start to finish.
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Solicitor Coordination
We work alongside your solicitor to keep the process moving and flag delays early.
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Protection Review
We make sure your home and income are properly protected from the day you collect the keys.
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Ongoing Support
We review your mortgage before it expires so you never roll onto a standard variable rate.
SCHEMES WORTH KNOWING

Government Schemes We Advise On

Not every scheme suits every buyer. We will tell you which apply to your situation and which to skip.
Lifetime ISA
Save up to £4,000 per year and the government adds 25% on top. Up to £1,000 free money per year toward your first home, on properties up to £450,000.
Shared Ownership
Buy a share of a property between 25% and 75% and pay rent on the rest. Useful when full ownership is out of reach in your target area or budget.
First Homes
New-build homes sold at 30% to 50% below market value. The discount stays with the home forever. Priority often given to local buyers and key workers.
Right to Buy
If you are a council tenant you may have the right to buy your home at a significant discount. We arrange mortgages for Right to Buy purchases regularly.
Eligibility criteria apply and schemes change with government policy.
We will confirm exactly which options are available to you during your free consultation.
HOW IT WORKS

Four steps from first call to first key

1

Free first call

A 15 to 30 minute conversation to understand your situation, deposit, and what you are looking for.
2

Agreement in Principle

We arrange your AIP so you can start making offers on properties with confidence in your budget.
3

Application and offer

Once your offer is accepted, we submit the full mortgage application and manage it through to the lender's formal offer.
4

Completion and beyond

We stay with you to completion and review your mortgage again six months before the fixed rate ends.
common Questions

Frequently asked questions

Straight answers to the questions we hear most often.
How much deposit do I need as a first-time buyer?
Most lenders require a minimum 5% deposit. Better rates open up at 10%, 15%, and 25%. The larger the deposit, the more lenders you can access and the better the rate.
Can I get a mortgage on my own?
Yes. Single applicant mortgages are common. Borrowing is based on your income alone, but we work with lenders that offer competitive rates to sole applicants.
How long does the process take?
From first consultation to completion typically takes 3 to 6 months, depending on the property, the seller's chain, and how quickly your solicitor moves. We keep things on track at every stage.
What is an Agreement in Principle?
An AIP is a certificate from a lender confirming the amount they would lend you in principle. It shows estate agents and sellers that you are a serious buyer with a real budget.
Can I use a government scheme and a broker?
Yes. We advise on every government scheme and recommend the most suitable for your circumstances alongside finding the right mortgage rate.
What costs should I budget for besides the deposit?
Solicitor fees, survey costs, stamp duty (if applicable), mortgage broker fee, and moving costs. We will give you a full breakdown during your consultation.
Take the First Step

Ready to Buy Your First Home?

Book a free, no-obligation consultation. We will tell you honestly what your options are and what the right next step is.
Book Your Free Consultation