First time buyer mortgage advice.

Specialising in helping people buy a home for the first time. Most of our customers are looking to take that all-important first step on the property ladder. But where do you start?

Help from start to finish.

Once you choose us, you're our client for life. We will help you every single step of the way.

Around the clock support.

Offering flexible options to meet your requirements, after work or evening appointments and more.

Access to a panel of lenders.

We have access to a huge range of different lenders, meaning, we're able to source deals you can't find on the high street.

What is a first time buyer mortgage?

First-time buyer mortgages are specifically designed for people who are new to the housing market.

Generally, you are considered a first-time buyer if you’re buying a property you plan to live in as your main residence, and you’ve never owned a property before.

The first time buying process.

A mortgage is likely to be the biggest financial commitment you ever make, so it’s important to get it right first time. But with so many products to choose from, it can be difficult to know where to start, especially if you don’t know your LTVs from your ARMs.

Your Mortgage Solutions will demystify that whole process for you, starting with how much you can borrow and the monthly repayment you can afford. You will leave your initial consultation with Your Mortgage Solutions feeling much more confident about the process, armed with the knowledge of how much you can borrow, the deposit needed, what the monthly repayments are likely to be and which lender you might go with.

Why use a mortgage broker?

A mortgage is a life-long commitment so it’s important to get the decision right from the outset. It’s not a straight-forward process and this can make it seem a very daunting task. So how can a broker help?

  • A broker gives you professional, expert help and advice along every step of the journey Mortgage brokers are regulated by the Financial Conduct Authority and must be professionally qualified to give you advice.
  • Brokers can search a variety of lenders to find the best product for your needs.
  • They have an in-depth knowledge of lenders’ criteria to help work out which deal is best for you
  • Brokers smooth the process from start to finish, helping with form filling, negotiations and liaising with other parties on your behalf if needed

Frequently asked questions.

Yes, but dependant on the size of your deposit, your level of and type of income, your credit history status, and your current financial commitments.

This is dependent on your type of income and level of income, combined with your age and current financial commitments.
We shall combine all of the factors which determine your mortgage borrowing ability and combine this with your mortgage term and type of mortgage required. The monthly payments are generally less the larger the deposit.
Currently the minimum deposit required is zero. However, this is dependent on your credit history status. Most first-time buyer’s deposits are generally 10%.

Ask a question of your own.

We will aim to answer your query within 24 hours.

Do you want to schedule an appointment?

If you want to speak with a member of the team, you can enquire about an appointment. Hit the button below to get started.

Try our helpful calculators.

We have a series of calculators, for you to use, for free. Helping you plan, budget and work out how likely you are to need protection.

Hand holding a phone that shoes the mortgage calculator on the Your Mortgage Solutions website.