First Time Buyers

Buying your first home can feel like a lot to take in. We’re here to make it simple, from working out what you can afford through to picking up the keys, with clear advice at every step.

Get in touch

A cozy living room with a beige sofa, a round cup on a coffee table, books, a green armchair, a floor lamp, a window, and a blue vase with dried flowers on a wall shelf, illuminated by natural sunlight.

Your journey, step by step

You deserve to search with confidence, so let’s determine your affordability and make sure lenders will approve your loan. We just need some basic information to create a personalised quote showing the house prices you can target.
Now the fun begins! Terrace or semi-detached, penthouse apartment or bungalow. The important thing is that you have your budget sorted. Once you’ve narrowed down your property shortlist and started viewing, we’ll guide you through the next steps toward securing your dream home.
When you’re ready to make an offer, being first in line is crucial. We’ll help you get there by obtaining an Agreement In Principle (AIP), which shows sellers you’re serious and ready to move quickly. This matters more than ever when demand is high.
Your offer has been accepted! We’ll request any documents required by the lender and handle the necessary work to secure your mortgage offer, keeping you updated throughout so you can focus on packing and preparing for the move.
Once the lender approves your documents, they’ll conduct a property valuation and issue your offer. Congratulations, your offer will then go to your solicitor, and we’ll help with the legal terms and keep you updated to meet your deadlines.
Congratulations, the property is now officially yours! We’ll check in with you annually to see how everything is going, and touch base again when it’s time to review your deal. If any friends or family could benefit from our services, we’d love to help them too.

See how much you

could borrow Most lenders use an income multiple of around 4.5x, but some may offer up to 6.5x depending on your circumstances. Try our quick calculator to get a rough idea of your budget, then speak to us to find out what you could really borrow.

Try the calculator