First-Time Buyer Mortgage Advice
Buying your first home? We'll guide you through every step, from your first call to picking up the keys.
Book a free callOverview
Buying your first home is one of the biggest financial decisions you'll ever make. It can feel exciting, overwhelming, and confusing all at once, especially when you're trying to make sense of deposits, interest rates, and what you can actually afford.
That's where we come in.
We work with first-time buyers across North London and Hertfordshire who want clear, honest advice without the jargon. We'll help you understand exactly how much you can borrow, what deposit you'll need, and what your monthly payments will look like, so there are no surprises along the way.
We also make sure you're matched with the right lender for your situation. Some lenders are more flexible with smaller deposits. Others are better for self-employed buyers or those with student loans. We know which is which, and we'll find the one that fits you.
From your first call to the day you pick up the keys, we'll be there to handle the paperwork, chase the lenders, and explain anything you're unsure about. No question is too small.
How we help
We explain everything in plain English.
No jargon, no acronyms, no assumptions. We make sure you understand exactly what you're agreeing to before you commit to anything.
We tell you what you can actually afford.
Before you fall in love with a property, we'll give you a clear borrowing figure so you know what's realistic.
We find the right lender for your situation.
Whether you have a small deposit, a complex income, or a less-than-perfect credit history, we'll find lenders who'll work with you.
We support you through the whole process.
From application to completion, we deal with the lender, the solicitor, and the paperwork. You focus on finding your home.
Common questions
Most lenders require a minimum 5% deposit, though some specialist schemes go lower. A larger deposit usually means a better interest rate and lower monthly payments, but a small deposit doesn't rule you out.
Most lenders will let you borrow between 4 and 5 times your annual salary, though this depends on your income, outgoings, deposit size, and credit history. Book a free call and we'll give you a clear figure based on your situation.
Schemes change over time, but currently options include the Mortgage Guarantee Scheme, Shared Ownership, and First Homes. We'll talk through which schemes you're eligible for and whether they're right for you.
From application to receiving a mortgage offer, it typically takes 2 to 6 weeks. The full process through to completion usually takes 2 to 3 months, depending on the chain and how quickly solicitors move.
Yes. Lenders factor your existing debts into their affordability calculations, but having loans doesn't disqualify you. We'll find lenders who take a sensible view of your overall financial picture.
No, there's no broker fee for standard residential mortgages of £100,000 and above. For more complex cases such as adverse credit or shared ownership, a fee may apply. We'll always be upfront about any fees before you commit.
A Mortgage in Principle, also known as a Decision in Principle (DIP) or Agreement in Principle (AIP), is an early indication from a lender of how much they'd be willing to lend you. It's useful when making offers on properties but isn't a guaranteed loan. A full mortgage offer comes later, after a complete application and property valuation.
A broker searches the whole market, not just one lender's products. For first-time buyers especially, this matters. Different lenders have very different criteria, and a broker can match you with the one most likely to approve your application and offer the best rate.
Let's get your mortgage sorted.
Book a free call. No obligation, no jargon. Just honest advice.
Book a free call