BSL Financials

First Time Buyers

Buying your first home can be both an exciting and nerve-racking experience. The exciting bit is having your own front door and space to call your own; the nerve-racking part can be finding somewhere you can afford, saving enough for the deposit, and getting a mortgage product that’s right for your financial circumstances.

Why Choose Us

Before you start looking for a property to buy, it makes sense to take advice. We can help you work out how much you’re likely to be able to borrow, and give you useful hints and tips that will help you prepare for the mortgage application process. We know what’s happening in the market, so we can help you make your mortgage application to the most appropriate lender when the time is right.

How the First-Time Buyer Process Works

This type of mortgage could be a great option if you’re:

  • Chat with us first

    We’ll talk through your situation, your budget, and your goals so you know exactly where you stand before you even start viewing houses.

  • Work out your budget

    Together, we’ll calculate how much you can realistically borrow and what deposit you’ll need — so there are no surprises later.

  • Find the right mortgage

    We’ll explain your options clearly and match you with a lender that fits your circumstances, not just a “one-size-fits-all” deal.

  • Get your agreement in principle

    This shows estate agents and sellers you’re serious and ready to move, giving you an edge in a competitive market.

  • Make your offer

    Once you’ve found the right home, you can put in your offer with confidence, knowing your finances are in order.

  • Finalise your mortgage

    We’ll handle the application process, keep things moving, and make sure everything stays on track.

  • Collect your keys

    The best bit you get the keys and step into your first home.

Ready To Get Started?

Ready to stop renting and get a place of your own? Let’s talk through how much you could borrow and what deals are out there for you.

Disclaimer : As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments