First Time Buyer
Mortgage Advice

If you are first time buyer it is good
to get professional advice…

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The independent
mortgage advice
you deserve

First time buyer, moving home, re-mortgaging, buy to let…

Speak to our experts who will support you every step of the way

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Guiding you through the process

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…

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Guiding you through the process

Taking advice from a qualified expert offers you extra protection because if the mortgage turns out to be unsuitable, you can complain to the Financial Ombudsman Service (FOS).

If you choose to go down the ‘execution-only’ route (where you make decisions on your own without advice), there will be fewer circumstances where you can complain to FOS.

House of mortgages are qualified expert mortgage advisers.

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Are you eligible?

Guiding you through the process

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?

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First time buyer checklist

Guiding you through the process

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

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    Find House of Mortgages offices and when we are open

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    House of Mortgages
    Stone Business Park
    Suite 5a,
    Kern House,
    Brooms Rd,
    Stone,
    Staffordshire
    ST15 0TL

    If you’re coming to the office and use Apple Maps we strongly recommend you search for “Kern House, Stone”. If you use the postcode with Apple Maps it will take you to Yarnfield, a 10 minute drive from where we are… We’re working to get this corrected with Apple

    If you are using Google maps go ahead and search for “House of Mortgages, Stone”

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