Getting a first time buyer mortgage and buying your first property is an exciting proposition. Whether you're moving out of the family home for the first time, or out of rented accommodation, it's likely to be your first opportunity to do things exactly as you want.

However, for the majority of first-time buyers there is one last hurdle to get over before you can relax in your new home - finding a first time buyer mortgage. Before you start looking in the estate agents' windows you need to get an idea of how much you have to spend, the buying process and the associated purchasing costs.

Do it yourself route

Many people do choose this option. To be fair, it will take you a long time to visit the mortgage lenders and to try to understand which of their first time buyer products will be suitable and which one overall is the best. How will you know that you have chosen the best mortgage deal?

What we can do for you

Find you the “best mortgage deal”. Being a whole of market Mortgage Adviser means exactly that. As a truly Independent Financial Adviser, specialising in mortgages, we work for you. It’s our job to take your mortgage case to the market and do the shopping for you.

• Obtain an Agreement in Principle: For those who want reassurance that they will be able to borrow the sum they are relying on, before they get their heart set on a particular property, we can apply for an agreement in principle. This is given by a lender and details exactly how much it is prepared to lend you, based on your personal circumstances.
  
  The mortgage agreement is an indication that you will be able to get a mortgage, provided the lender is satisfied with the property you eventually decide to buy. Having an agreement in principle before you go house hunting can be an advantage when a seller faced with two offers may be more likely to accept the one from a buyer who has proof they can get a mortgage.
• Clarify and explain all the associated purchasing costs: how much you will need, and when you will have to pay. Avoid nasty surprises!

Once you've found a property and had your offer accepted we can offer advice on the stages of the Buying Process; what will happen and when.

Your home may be repossessed if you do not keep up repayments on your mortgage.