Getting started
Buying your first home is exciting, and a little overwhelming. We start by understanding your budget, your deposit and your plans, then show you exactly what you can realistically afford.
You get a named adviser who explains each stage in plain English and is on hand whenever a question pops up.
- ✓A clear, honest picture of your budget before you view a single property
- ✓Help understanding schemes such as shared ownership and guarantor options
- ✓Lenders matched to your income, including self-employed and contractor pay
Deposit & affordability
A bigger deposit usually unlocks better rates, but it is not the whole story. We look at your income, outgoings and credit profile to find the lenders most likely to say yes.
We will also flag anything worth tidying up before you apply, so your application is as strong as it can be.
- ✓Realistic borrowing estimates based on real lender criteria
- ✓Guidance on improving your credit profile before applying
- ✓A decision in principle to make your offers stand out
Documents you’ll need
Having these ready speeds everything up. Don’t worry if something is missing, your adviser will help you gather what’s needed.
- ✓Photo ID (passport or driving licence)
- ✓Proof of address (last 3 months)
- ✓Last 3 months’ payslips or 2 years’ accounts
- ✓Last 3 months’ bank statements
- ✓Proof of deposit or equity
- ✓Details of loans, cards and commitments
Common questions
Many first-time buyer mortgages start from a 5% deposit, though a 10% deposit typically opens up more competitive rates. We will show you the trade-offs clearly so you can decide what suits you.
It is an indication from a lender of how much they may lend you, based on a soft credit check. It makes your offer stronger and shows estate agents you are a serious buyer. We arrange this for you.
Yes. We work with self-employed first-time buyers regularly and know which lenders take a fair view of one or two years of accounts.
A decision in principle usually takes a day or two. A full mortgage offer typically takes two to four weeks from application, depending on the lender and how quickly documents are provided.
Beyond your deposit, allow for solicitor fees, survey costs, possible lender and broker fees, and moving costs. We give you a full breakdown early so nothing catches you out.
No. Our research and a decision in principle use soft checks that do not affect your score. A hard check only happens when you submit a full application, which we time carefully.
Ready to take the first step?
Book a free, no-pressure chat and we will show you exactly what your first home could look like.