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First Time Buyers

Buying your home is likely to be the biggest investment you’ll make. It’s an exciting, rewarding and slightly daunting time. But don’t worry, we can help you get there.

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Established over 20 years
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Investing in Your Future

Buying a home is more than just about owning your own bricks and mortar. It’s about putting money into a mortgage rather than rent, and being in control of the place you live in.

In recent years, the prospect of getting on the property ladder seemed liked a distant dream for many. Stagnant wages and a dearth of affordable housing gave rise to a generation of renters, but now things really are starting to change. The truth is that getting onto the property ladder doesn’t have to be difficult and, given the recent rise in the number of affordable mortgages designed specifically for first-time buyers, it is now well within the reach of a growing number of prospective homeowners.

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See How Much You Can Borrow

Use our repayments calculator to see how much you could borrow against your next home.

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What are Mortgages for First Time Buyers?

Typically, first-time buyers will have a relatively small deposit to put towards their mortgage. The average first-time buyer deposit is around 15 percent, but there are mortgages and government-backed initiatives, such as the Help to Buy scheme, which will allow you to get a mortgage with as little as a 5 percent deposit.

As a first-time buyer, the range of options available can be daunting, so we’ll guide you through the process to help you make an informed decision.

Getting on the Ladder

At The Mortgage Centres, we have been helping first time buyers take their first steps onto the property ladder since our doors first opened. We know what it’s like to work out your budgets and your price bracket, search through locations and listings for the home that fits your ideas, and go through the process of making offers. And getting them accepted!

Try Our Mortgage Repayments Calculator

See How Much You Can Borrow

Use our repayments mortgage calculator to see how much you could borrow against your first home.

Estimate Your Payments

We’ve Got the Answers

As a first-time buyer, you will have many questions about the house buying process. Almost as important as getting the correct answers is making sure you ask the right questions in the first place, or it could end up costing you more than is necessary. Fortunately, with our experience, we know in advance all the questions you should be asking, and more.

With our access to exclusive first time buyer mortgage products that are sourced from the whole of the market we will find the best mortgage to suit your needs.

Don’t Get Out of Your Depth

One of the most important aspects of home-buying is to check your finances and budgets right at the start. What level of monthly payments will you be able to maintain? And if you’re combining budgets with a partner, what will you be able to afford if one of you stops earning for whatever reason? Don’t get too stressed about it – with good planning, we can make sure you’re in a good position.

Get Honest, Transparent Advice

Our mortgage advisers have been helping homebuyers for the last 20 years, and are fully qualified to help you get the best mortgage. We can:

  • Check monthly budget, affordability and purchase price.
  • Get an agreement in principle with the best lender to give you peace of mind and put you in a strong position for when you make an offer.
  • Choose the most appropriate product and lender.
  • Process your mortgage application.
  • Help choose the right survey for your property.
  • Help choose a solicitor for the legal work and deal with them throughout the process.
  • Help you choose the correct insurances to protect your mortgage and home.

Let’s Get Started

Get in touch with your local branch and speak to one of our experienced advisers. They will be more than happy to go over all the above and more. Getting your first mortgage doesn’t have to be complicated. Let us do the hard work for you.

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