First Time Buyer Mortgages

Navigate the process of securing your first mortgage like a pro with the help of our independent mortgage brokers and advisors. We help demystify the process so you can focus on getting on the property ladder.

01932 865500

How JML will help you find the best mortgage in 3 simple steps

Step 1
Compare & check

From big banks and niche lenders, we can provide an overview of what mortgage products are available to you.
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Step 2
See if you qualify

We pre-qualify candidates with just a few questions over the phone or online. We’ll then let you know which deals you can access.
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Step 3
Apply online

We simplify the application process by keeping everything secure in one place, so when you’re ready to apply we have all the information we need.
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Call us to start saving today
01932 865500

Are you a first-time buyer?

The first step to securing your first-time buyer mortgage is to make sure you are definitely a first-time buyer. The criteria are quite strict, and you will only be eligible for the preferential deals and schemes if you have never owned or part-owned a home in the UK or anywhere else.

This means that those who have inherited a property, taken part in a shared ownership scheme, or bought a property with someone else will not be eligible for a first-time buyer mortgage. If you’re not sure if this applies to you, our team can help.

MORTGAGE QUALIFIER
First Time Buyer
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Re-Mortgaging
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Mortgages
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Equity Release
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First-time buyer mortgages made simple

From navigating the paperwork to understanding the financial terms, securing your first-time buyer mortgage can be complex and frustrating. We’re here to simplify the process by breaking it down into easy and manageable steps.
We’ll start by pairing you with an advisor who will look at your financial situation and then match you with potential lenders. 

We’ll help you to understand the financial implications of each option, so you can make an informed choice. We’ll help you to understand the affordability calculations and how you can maximise your position as a first-time buyer.
We can even help with the paperwork, so you can be confident you’re submitting an application that gives you the best possible chance of success. If you’re ready to start exploring your mortgage options to help you find your dream home, get in touch with our team today.

Making the most of first-time buyer schemes

First-time buyers can access a lot of schemes and incentives that will enable them to maximise their position and secure the best possible deal on their mortgage. This includes the Help To Buy Equity Loan, Lifetime ISA and the Right to Buy Scheme. 

Our mortgage advisors can help guide you through the process of accessing these schemes.
It’s never too early to get advice. If you’re hoping to get on the property ladder and want to know what steps you need to take and what you might be able to afford, speak to our team today. You can also use our mortgage calculator to work out what you can afford to borrow, how much deposit you will need, or how much your monthly repayments will be.

Ask The Mortgage Experts

01932 865500
We want you to feel informed, not overwhelmed. If you have questions about the process of working with an independent mortgage broker, get in touch with our team today. We’ll break it down in simple terms so you can understand the best course of action for your needs. Call our team today for more information or kick-start the process by checking if you qualify.
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