First Time Buyers Guide

Buying a home for the first time is an exciting journey, but it can also feel overwhelming for first time home buyers. From figuring out how much you can borrow to collecting your keys, there’s a lot to take in. That’s where I come in. I’ll provide mortgage guidance and guide you through every step, explaining your options in plain English to ensure you feel confident about each decision. No jargon, no pressure — just clear, friendly advice to help you get the keys to your very first home.

We’ll look at your income, regular expenses, and the size of your deposit to determine how much you can comfortably borrow when buying a home. This provides first time home buyers with a clear price range for their property search and helps avoid the disappointment of falling in love with a home that’s outside their budget. It also means we can focus on lenders and deals that fit your circumstances from the very start, providing essential mortgage guidance.

An Agreement in Principle (AIP) is a document from a lender confirming how much they could lend you, based on basic checks. For first time home buyers, it's not a final offer, but it serves as valuable mortgage guidance when viewing properties. An AIP demonstrates to estate agents and sellers that you’re a serious buyer who’s ready to move forward in buying a home.

With your budget clear and your AIP in place, it’s time to explore the market for buying a home. As first-time home buyers, you can start viewing properties, comparing options, and making a shortlist. We’ll provide you with mortgage guidance to help you stay focused on homes that fit both your needs and your finances, while ensuring you’re ready to act quickly if you find the right one.

When you're buying a home, especially as first time home buyers, you'll typically put in an offer through your Solicitor. I can provide mortgage guidance and assist you in crafting an offer that is both competitive and realistic, while also helping you consider conditions such as timelines or inclusions that might strengthen your position.

Once your offer is accepted, we’ll complete your full mortgage application, which is essential for first time home buyers. This process involves providing documents like payslips, bank statements, and ID. We’ll offer mortgage guidance, handle the process, liaise with the lender, and keep everything on track so you can focus on buying a home and planning your move.