First-Time Buyer
Don’t Panic! Getting a first time buyer mortgage can be scary and stressful. That’s why we always encourage people to come and talk to us, there’s no obligation or initial cost so what have you got to lose?
Our partners
First-Time Buyer Mortgages
There’s a lot to think about, so the sooner you contact us, and we begin to plan the better. We love working with our clients and we’re here to guide you through the whole process.
We can calculate how much you may be able to borrow, how much deposit you will need and any particular issues we need to consider.
We access a comprehensive range of mortgage products, including exclusive rates not always available on the high street. This allows us to find a mortgage that is not only suitable for your needs, but also as competitive as possible.
Once we are on your team, we are always at the end of the phone with advice and guidance until you move into your own home.
“Sidonie supported us with our first home purchase and was a superstar from start to finish! We put our full trust in her to find us the best possible mortgage available to us, and that’s exactly what she did. I can’t recommend her and Mortgage Yard enough, they went out of their way to support us with our purchase and I’ll be forever grateful 🫶🏻”
Our Process
Want to know more about what’s involved?
Explore each step of the process to gain a basic understanding of our process when finding you the right mortgage and helping you secure your dream home!
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A quick call to get to know each other and find out more about your plans for your first home.
Questions we will ask:What is your employment status?
What are the total household earnings?
How much of a deposit do you have?
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We’ll do some research and put together possible options for us to discuss.
This could include:
How much you could borrow
How much you can buy a house for
A rough guide to the cost per month
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We’ll have a chat to discuss the initial figures, making sure they suit you. We want you to feel happy and confident with your future mortgage and we’ll spend as much time as you need to get it right.
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(also called Agreement in principle and mortgage in principle – confusing!)
The next step is to approach a mortgage lender and tell them
Who you are
What you earn and owe
What you want to borrow
The lender will run a credit check and produce a certificate confirming what you can borrow. This is the Decision in Principle.
It will give you a degree of certainty and is required by estate agents.
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Over to you to find the house of your dreams.
Don’t forget we’re here to help you through the whole process!
