First Time Buyer

The amount you'll need depends on the mortgage and lender, but many first-time buyers purchase with a deposit of 5% or more. I'll help you understand what's possible based on your circumstances.

This depends on factors such as your income, outgoings, credit history and the lender's affordability checks. I can give you a clear idea of your borrowing potential before you start house hunting.

An Agreement in Principle is an indication from a lender of how much they may be willing to lend. It can strengthen your position when making an offer on a property.

You don't have to use a mortgage broker, but having expert advice can make the process much easier. I'll search a wide range of mortgage options, explain everything clearly and support you from start to finish.

Every application is different, but from submitting your application to receiving a mortgage offer can typically take a few weeks. I'll keep you informed throughout the process and help everything move as smoothly as possible.

Alongside your deposit, there may be costs such as solicitor's fees, survey fees and moving expenses. I'll explain the costs you may need to consider so there are no surprises.

Yes. Many lenders offer mortgages to self-employed applicants. The key is having the right evidence of your income, and I'll help you understand what's needed.

Once your offer is accepted, I'll submit your mortgage application, liaise with the lender and keep you updated until your mortgage is approved and you're ready to complete on your new home.