First Time Buyers

Buying your first home is a very exciting time and a huge milestone - we’ll answer all of your questions and hold your hand throughout the process.

We’ll be honest, the mortgage market can be a minefield, so we’ll be there throughout the entire process, using our vast knowledge and experience, to ensure it runs as smoothly as possible. We know you’ll have lots of questions and we’ll take as long as you need to ensure your queries are answered and your worries just melt away! As always, our service is completely fee free, there’s no catch!

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Where do I start?

As soon as you’ve decided that you want to start looking for a property, the first thing you should do is obtain a Agreement in Principle (AIP). It’s sometimes known as an Mortgage in Principle (MIP) or Decision in Principle (DIP) but don’t worry, they’re all the same! A Mortgage in Principle is a document provided by a Mortgage Broker or Bank, using some of your information to confirm that you’re likely to be eligible for a mortgage and indicate how much you can borrow. This isn’t a guarantee but it’s enough to start the process and provides a certificate that you can show to the Estate Agent (many will require this before they take you seriously).

Now you know what a Agreement in Principle is, it’s time you get your hands on one! Contact us to book in your free consultation. We’ll need around 15 minutes to gather some of your information before we can answer all of your questions, confirm how much you can borrow, explain the rest of the process and send across your Agreement in Principle - you’ve guessed it, for free!