Your home may be repossessed if you do not keep up repayments on your mortgage.
First time buyer mortgage advice that actually makes sense. We walk you through deposits, schemes, lender criteria and paperwork in plain language, without assuming you have done this before. Because you have not, and that is fine.
Online calculators give wildly different numbers, none of which match what lenders will actually offer you.
Being told you need a 15 to 20% deposit, when most first time buyer mortgages start at 5%.
Shared Ownership, First Homes, Lifetime ISA, JBSP. Schemes layered on schemes, with no one explaining which apply to you.
We run your numbers through actual lender calculators to give you accurate borrowing figures, not estimates from comparison sites.
Every scheme you could access, reviewed in one conversation so you know what applies and what doesn't.
A clear document list and timeline so you know what's happening at every stage, from AIP to keys.
What you've saved, plus any Lifetime ISA, Help to Buy ISA or family gift available to top it up.
Your employment income, any partner's income, and regular commitments like credit cards or car finance.
Where you want to buy, what kind of property, and your realistic timeline for moving in.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
.webp)
Fast-tracked capital for property developers and professional investors.
First time buyers need brokers who explain things clearly, not in jargon. Our team specialises in walking first-timers through every stage, from deposit planning to key collection.
5% of the property price is the minimum on most high-street lenders. On a £250,000 property, that's £12,500.
A Lifetime ISA lets you save up to £4,000 a year with a 25% government bonus (up to £1,000). Usable for a first-time purchase up to £450,000. Most first time buyers should have one.
Most lenders lend 4 to 4.5 times your income. Specialists go to 5 times, and some professional schemes stretch to 6 times. Joint applications combine both incomes.
An AIP is the lender's initial view based on basic details. A mortgage offer is the formal commitment after full underwriting. You need an AIP before making offers, and an offer before exchange.
Yes. Gifted deposits are widely accepted. Joint Borrower Sole Proprietor (JBSP) lets a parent's income boost your borrowing without putting them on the title. We'll talk through what works for your family.
Complete our 60-second digital brief to secure your Agreement in Principle.
Looking for personalised advice....
Leave your details below and one of our advisers will be in touch to discuss your options.
See our Just In Time Policy
A commitment to regulation, professional development, and the highest standards of client protection within the specialist lending market.
