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The first step is to find out how much money you can borrow and then work out what’s affordable for you. The main hurdle many first time buyers come up against is finding money for the deposit. Having a small deposit can restrict the number of mortgages available to you, but there are first-time buyer mortgage schemes – such as Help to Buy – that your mortgage adviser can discuss with you.
Following this, the next step is to get yourself mortgage ready. With more stringent affordability testing from the lender, it’s important that your finances are in order. You might be surprised that there are actually some really simple things you can do to help improve your chances of getting a mortgage.
Our professional mortgage advisers are experts when it comes to arranging first time buyer mortgages. With access to over 12,000 mortgages from over 90 lenders, we’re perfectly placed to help you find the right mortgage and get you on the property ladder. We’ll be on hand to guide you through the whole process, right up until the day you get the keys in your hand.
Whether you prefer a face to face or telephone appointment, we will offer the same expert service. Our advisers will take into consideration your personal circumstances, including your income, outgoings, deposit money etc. All of this helps us build a picture of your financial situation and can help us recommend a mortgage deal that is right for you.
To book an appointment to speak to an adviser, please call us on 03454 500200.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Jack and Russell were absolutely amazing and helped me secure my first mortgage with no problems at all. As a first time and solo buyer it is all very daunting but they explained everything to me and I could trust that I was in good hands regarding the securing of my mortgage offer. Their communication was brilliant as I usually had a response to any questions within a day and my mortgage offer came through so fast. Thank you!
Chelsea WThe best mortgage advisors in our opinion. I was kept up in the loop from day one. Extremely friendly and professional service. Thank you once again.
Pawel WThis is my first experience with getting a mortgage, but Rob explained everything clearly, answering all my questions, and helped me get the best mortgage for me. Louis also helped by keeping me updated with the progress of the application and chasing the lender on my behalf. Overall, a positive experience.
MeganI would recommend using Mortgage Decisions as they made the process of choosing my first mortgage so easy to understand . They were very knowledgeable on all the products available ,but mostly they were prompt . Thank you in-particular to Toby and Louis.
Lindsay BToby was absolutely a knight in shining armour. Every step of the way he explained everything, he understood my situation and it felt like he was holding my hand through some turbulent times. I can't thank him enough.
Sarah J
