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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 £595.
Would give them more stars if possible! John and Russell being on-hand, promptly respond and chase updates, they are unbelievably exceptional.
Karim AI was highly impressed with the mortgage services provided. My needs were somewhat complex (some mortgage brokers refused to help me at all), but they managed to find me the best deal.
Fee MThroughout my process I have liaised with Toby and Louis. Always professional, friendly and informative every step of the way. Keeping me updated at all times in what is a most exciting time for me. Am so very grateful. Thankyou!!!
CarolineI 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 BAs a first time buyer, I was in the dark on how the process worked but having the support Beccy and Mark throughout made our journey a lot easier. Both friendly, approachable and knowledgeable a broker. I would recommend.
Jonathan P
