First-Time Buyer Mortgage Advice

Looking to get a first foot on the property ladder?


We can help make it happen.

If you’re just starting out in the housing market and hoping to get a first foot on the property ladder, the process can seem daunting and difficult to navigate. We’re here with all the advice and support every first-time buyer needs to secure their first home.

Before you start hunting for your first home, you’ll want the reassurance of knowing you qualify for a great deal on a first-time buyer mortgage, so we’ll help you through the early questions and guide you through an affordability assessment to ensure you’re in the best position to start the application process.


We’ll find the right fit for you now and for the year ahead.

When you’re ready, we’ll talk you through all your options, including the latest deals and mortgage products that will be the right fit for you and your home. We understand that in those first important years of home ownership, you’ll want to keep your costs down. We’ll explain what size deposit you’re likely to need and if you qualify for a Help to Buy Equity Loan that could make buying your first home more affordable.

Here are some of the types of mortgage that might be suitable for you as a first-time buyer:

  • Fixed-rate mortgages

 You pay the same monthly payment for as long as your fixed-rate period lasts – when it ends you can apply for a remortgage to secure another competitive mortgage deal.

  • Tracker rate mortgages

A tracker rate mortgage will be linked to the Bank of England’s base rate. When the Bank of England base rate is low, your repayments will reflect this, and if the rate rises so will your monthly repayments.

  • Variable rate mortgage

As with tracker mortgages, your monthly repayments will be linked to the bank base rate so, when rates are low, your repayments will be low too, but will rise when rates go up.

  • Offset mortgages

These mortgages offset the interest on your savings against your home loan – talk to us to see if an offset mortgage will be making the most of your savings.


The world of mortgages can seem daunting for first-time buyers, but we are here to make it as easy as possible. So when you’re ready to make your first step towards home ownership, we’re here.

If you’d like to know more about the mortgage process or the different types of mortgages available, read our expert guides.

Or feel free to get in touch! Call us now on 08454 500200, alternatively click here and complete this short form about yourself. We’ll be in touch very shortly. With mortgage brokers in Winchester, Southampton, Farnham, Bishops Waltham, Alton, Chandlers Ford, Alresford, Romsey and Park Gate, you are never too far from mortgage advice.

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

Your Answers

Buying our first house was extremely stressful as you can imagine, Chawley really made our mortgage journey extremely smooth and I will always be grateful for that! He was extremely professional and held our hand through the process, it was all very new to me but chawley explained all the steps and insured I understood. I will 100% be recommending him in the future, great guy!

Khloe C

April 2020

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