First Time Buyer Mortgage Advice

Buying your first home is such an exciting time but at the same time can feel a daunting prospect.
How much can I borrow? How much will it cost me each month? How much money do I need to cover all the costs  as well as my deposit? What will my bills be when I move into my new home? How do I find a solicitor? It’s also big commitment with lots of options to choose from and mistakes can be made that can be costly. So it’s really important to get professional qualified advice so you get it right first time!

We  provide you with an initial quotation, based on your circumstances. You can either do this online by completing the questions below OR we can arrange to meet with you where we can provide detailed advice and support, you can book an appointment using the button below. It’s up to you though, but whatever you choose to do we will be here to help. So why not get a quote today and see how we can help you onto the property ladder…

Get an online quote now or  book a FREE, no-obligation online consultation with our First Time Buyer Mortgage specialist 

LATEST FIRST TIME BUYER MORTGAGE OFFERS

  • £1000 cashback offers, coupled with  free valuation!  – Subject to status.  Complete the form below to find out more OR telephone us today.
First Time Buyer Mortgage Quote
Book a telephone appointment

First Time Buyers Checklist

Before you buy your first home be sure you are making the right choices. Our clients find that by using our service that you end up financial better off, less stressed and in a better position rather than trying to do it themselves.

  • We explain how buying a house works in simple terms

  • Cashback offers

  • Free Valuation on certain mortgages

  • All of market comparison

  • Low deposit options

  • Help to buy schemes

  • Home insurance for first time buyers

  • Life insurance help and advice

  • How much you can borrow

  • Personal secure service

  • Monthly payment options

  • We help you with your house purchase

  • We help you every step of the way

  • Help to buy scheme advice

  • Shared ownership

  • Family guarantee mortgages

  • Cohabiting options and advice

  • Award winning service

  • Advice on booking removal companies

  • Finding an efficient solicitor at the right cost

  • Understanding the jargon!

With you every step of the way…

We will take you hand and hand throughout the whole process discussing all the details and helping you to plan your budget so you can have a life as well as a mortgage! We can even assist you with putting an offer forward on a property. There any many incentives from the government for example Help to Buy Equity Loan, Help to Buy ISA, Shared Ownership. It can feel a little overwhelming with so many decisions to make. Let us help guide you throughout the process from your first questions to getting the keys to your first home. We assure you we’ll be with you every step of the way

Speak to our team today
Call Today On 01785 594888

Monday –  Friday  9am – 5:30pm Saturday – 9am – 4pm

House of Mortgages LTD - independent mortgage advice Stone Staffordshire

Important…

House Of Mortgages Limited  is an Appointed Representative of Personal Touch Financial Services Limited which is authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate most buy to let mortgages.
YOUR HOME MAY BE REPOSSESSED IF YOUR DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

First Time Buyer Mortgage Advice

Are you eligible for a first time buyer mortgage?

First Time Buyer Eligibility:

You can apply for a first time buyer mortgage if…

  • Never owned a property before
  • You are buying a UK property
  • You must be a UK resident or have full rights to reside in the UK
  • You must be at least 18 years old to apply for a mortgage
  • There is no upper limit and it is not just for “the young”*
  • You are at least 18 years old

*Your mortgage must usually end before you reach 80 years old. If your mortgage term extends past your eligible UK State Pension age or your expected retirement age – whichever happens sooner – we can  look at your retirement income and/or your employment income, to help to establish if you can afford the monthly payments at retirement.  If you’re taking out a joint mortgage, it’s the age of the oldest person that’s taken into account.

There are quite literally thousands of mortgage deals in the market, these deals are constantly changing why not complete our eligibility application to see if how we can help you?