First Time Buyer?
Start your journey home with us today
Let our 20+ years of mortgage experience help you!
Wherever you are in your home buying journey, we’re here to support you every step of the way. We know that buying your first home is a big decision and the mortgage process can seem overwhelming. That’s why we break down the mortgage journey for you so you can understand the different steps and the support available to you along the way from our dedicated mortgage team.
Saving for a deposit
As a First Time Buyer you will need a deposit of at least 10% of the house price.
Get into the habit of saving a regular amount to demonstrate your repayment ability
Through paying rent and saving the equivalent of your monthly mortgage repayment amount, you can show us that you can pay your proposed mortgage repayment
Before you start the process of searching for your first home, chat to one of our mortgage consultants who can give you an idea of how much you can borrow. Book a mortgage appointment today and we’ll guide you through the process and prepare you for your search.
Understand how much you could borrow before you start the search
Look at some properties to get an idea of the cost of the home that you want
Find out what documents you need and we can prepare you for your application.
Searching for your first home
Applying for a Mortgage
We’re here to support you with your mortgage application every step of the way.
When you’re ready to apply, you will need to provide the documentation outlined here along with your application. Allow 1-2 weeks to gather all the required documentation. Should you require any help with these documents, our mortgage team will guide you through the process during your appointment and talk you through every step of the paperwork. When we receive your application, we will let you know if any documentation is missing or if we require any further information.
Once the search for your first home is done, and you’ve found the perfect one for you, let us know.
You then need to get your new home valued. Once you submit the valuation, we will issue your Letter of Approval and all the loan information to your solicitor.
You will need to arrange Life Insurance and Home Insurance. We can help you with this or you can obtain a policy from another provider if you prefer
Once you sign the documents with your solicitor they will arrange a completion date with the house seller and we will transfer the funds and you can then collect the keys to your new home
Find your home