First-time buyers
Your first home, made simple
Buying your first home is exciting, but it can also feel overwhelming. I'll guide you through the process step by step, explain everything in plain English, and help you make confident decisions from Agreement in Principle to getting the keys.
What you can expect
- Clear, honest advice on how much you can borrow and what it will cost each month
- Whole-of-market access to a wide range of lenders, including those with flexible criteria for new buyers
- Support with paperwork and timelines, so nothing gets missed
- Transparent costs (valuation, conveyancing, product fees and insurance), no surprises
- Protection guidance so you can keep your new home secure
The process at a glance
- Discovery call We learn about your deposit, income, credit history and plans.
- Budget and eligibility We outline an affordable price range and likely lenders.
- Agreement in Principle This strengthens your position when making offers.
- Full application I handle the forms, documents and lender communication.
- Valuation and underwriting I keep you updated and help resolve issues quickly.
- Offer and conveyancing I stay in touch with your solicitor until completion day.
What will I need to provide?
- Proof of ID and address
- Last three months' payslips (or SA302s and accounts if self-employed)
- Latest P60 if employed
- Bank statements, usually the last three months
- Deposit evidence, such as savings history or a gifted deposit letter
- Details of any loans, credit cards or other commitments
Deposits and monthly costs
Most first-time buyers start with a 5 to 10% deposit; larger deposits can unlock better rates. I'll show you the true monthly cost, including product fees, so you can plan with confidence.
Credit not perfect?
Don't panic. I'll give you an honest assessment and explain what's possible now, and what might help if waiting would improve things, such as tidying overdrafts, reducing card utilisation, or correcting file errors. If needed, we can explore specialist lenders who consider more than just a score. See our adverse credit page for more.
Government schemes and ways to buy
I'll check your eligibility and explain the pros and cons in plain terms, including Shared Ownership (part buy, part rent, with the option to staircase later), First Homes (discounted new-builds for eligible local first-time buyers), and the Lifetime ISA (a government bonus on savings towards a first home). Availability and criteria vary, so we'll confirm what's open to you and whether it fits your plans.
Protecting your new home
A mortgage is a big commitment. I'll help you choose sensible, good-value cover including life insurance, critical illness cover and income protection, so you only pay for what you need. Read more about mortgage protection.
It starts with a conversation
Get in touch for a free, no-obligation chat about your first home.