First Time Buyer Mortgages

Your Gateway to Home Ownership

Embarking on your journey to homeownership is an exciting milestone. At Apply Mortgages, we're specialists in guiding first-time buyers through the often complex world of mortgages, helping you secure the keys to your first home with confidence.

Why Choose Apply Mortgages for Your First Home Purchase?

• Expert Guidance: Our seasoned advisers demystify the mortgage process, explaining each step in clear, jargon-free language.
• Tailored Solutions: We understand that every first-time buyer's situation is unique, and we're committed to finding the right mortgage for your specific needs.
• Access to Exclusive Deals: As independent advisers, we have access to a wide range of lenders, including those offering specialised first-time buyer products.
• Support Throughout the Process: From your initial enquiry to completion, we're here to answer your questions and provide unwavering support.

• New Build Deposit Contribution Incentives
• Shared Ownership schemes
• 95% Mortgages
• First Homes Scheme
• Up to 5.5x Income from Select Lenders

Our expert advisers will explain these options in detail, helping you understand which might be most suitable for your circumstances.

At Apply Mortgages, we're committed to making your re-mortgage journey as smooth and beneficial as possible. Our expert advisers are here to answer your questions and provide personalised guidance every step of the way.

• Initial Consultation: We'll discuss your financial situation, aspirations, and concerns to get a clear picture of your needs.
• Affordability Assessment: We'll help you understand how much you can borrow and what your monthly repayments might look like.
• Deposit Discussion: We'll explore your deposit options and advise on any schemes that could boost your buying power.
• Product Selection: We'll search the market for the most suitable mortgage products, explaining the pros and cons of each option.
• Application Support: Once you've chosen a mortgage, we'll guide you through the application process, ensuring all documentation is correctly prepared and submitted.
• Ongoing Guidance: We'll be on hand to answer any questions and provide support right up until you collect the keys to your new home.

What You'll Need

To start your mortgage journey, you'll typically need:

• Proof of identity and address
• Evidence of income (payslips, tax returns for self-employed)
• Bank statements
• Details of any existing debts or financial commitments

Don't worry if you're unsure about any of these – we're here to guide you through every step.

Ready to Take Your First Step on the Property Ladder?

At Apply Mortgages, we're passionate about helping first-time buyers achieve their dreams of homeownership. Our expert team is ready to provide the personalised advice and support you need to navigate the mortgage market with confidence.

Contact Apply Mortgages today for a no-obligation consultation. Let's start your journey to homeownership together.