Buying your first home is a big step, and the mortgage side can feel like a maze of jargon, paperwork and deadlines. I’ll guide you through every stage — from working out what you could borrow to the day you collect your keys.
HOW I HELP
What I’ll help you with
Understanding your budget
A realistic view of what you could borrow and what your monthly payments might look like, before you start viewing properties.
Agreement in principle
Helping you secure an agreement in principle so you can show estate agents and sellers you’re ready to proceed.
Finding the right lender
Searching the market for a mortgage that fits your deposit, income and circumstances — not just the first offer you see.
Schemes and support
Explaining any first-time buyer schemes or incentives that may be available to you at the time you buy.
THE PROCESS
Step by step, together.
- 01
Initial chat
We talk through your plans, income, deposit and any questions you have.
- 02
Agreement in principle
I help you get an indication of what a lender may be willing to lend.
- 03
Full application
Once you’ve found a property, I prepare and submit your application.
- 04
Offer to completion
I keep in touch with the lender, your solicitor and you until completion.
GOOD TO KNOW
Things to consider.
- Your deposit size affects which mortgages are available and the rates you may be offered.
- Lenders will look at your income, outgoings and credit history.
- Budget for extra costs such as legal fees, surveys and, where applicable, stamp duty.
- Having proof of ID, payslips and bank statements ready can help things move faster.
GET IN TOUCH
Let’s talk about your next step.
Send an enquiry using the form, or get in touch directly by phone or WhatsApp.