First Time Buyer Mortgage

Stepping on to the property ladder is an exciting, but daunting time, but don’t worry, we are here to help you every step of the way!

We are First Time Buyer Mortgage Experts!

We have completed hundreds of first time buyer mortgages over the years, so you are in great hands.
Buying your first home is a massive step; one which often takes a lot of determination and saving. It should therefore be an exciting time, not one full of worry. However, it is easy to understand why we are regularly contacted by first time buyers who are completely overwhelmed by the process.

The world of mortgages is full of technical jargon which first time buyers are often just expected to know; fixed rate, variable rate, repayment, interest only, the mortgage term, cash deposit, loan to value (LTV).

As well as these, you will likely need answers to the many questions first time buyers commonly have. How long does the purchase process take? Who do you pay the deposit to? How much do you need? On top of my deposit, what else do I need to pay out for?

Here is the good news, you do not have to work all of this out for yourselves. Here at The Mortgage Expert we have helped thousands of first-time buyers secure the best possible mortgage.

Put in layman’s terms, here are the steps we will guide you through:
  • Source the most suitable mortgage product to match your individual financial circumstances
  • Complete and manage the mortgage application
  • Correspond with the selected lender
  • Provide you with advice on the required insurances.
We will communicate with you throughout, provide you with a dedicated case manager to ensure you are kept fully up to date with your application, through to completion.

Contact our specialists today!

Fully-Qualified Workforce
Trustworthy Organisation
Regular Communication
Knowledgeable Professionals
Customised Relationship
Professional Experience
The mortgage was definitely the scariest part of buying our first home, but The Mortgage Expert team were brilliant. They explained all of the technical jargon and successfully sorted our mortgage. They were great!
David Jacobs and Zoe Williams Plymouth

Now that you have found The Mortgage Experts, do not settle for anything less.

With nearly 150 years of financial services experience, from debt management to mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

0 %

Customer Satisfaction

Our post-completion surveys ensure we are constantly improving

0 +

Mortgages Completed

Our experienced team have completed over 2,200 applications


Years of Experience

There is nothing about the industry that our fully-qualified team do not know

0 +

Lender Partnerships

From banks to niche lenders, we will find you the perfect provider

As your mortgage broker, we are here to find the right product for you!

As a first time buyer, you are likely to have lots of questions. Here is where our qualified and experienced brokers come into play, guiding you through the buying process one step at a time.

Our Mortgage Process

Our proven and methodical process will ensure we secure you the best possible deal, keeping you fully up-to-date at every stage. Here is how it works...
  • 1

    The Introduction

    We start by getting to know you, your needs and your requirements. Here we assess your incomings and outgoings, setting an agreeable budget.

  • 2

    Product Match

    Then we obtain and review your credit profile before searching the 'whole of market' to find the most suitable lender and mortgage product for your requirements.

  • 3

    Lender Agreement

    Next up we provide you with a fully protected mortgage quote and then look to obtain a mortgage in principle from the selected lender.

  • 4

    Completion Time

    Finally, we complete all of the relevant paperwork and guide you through the remainder of the process until success completion has been achieved.

Let's start your enquiry today...

Here we will capture all of the detail we require to start finding you the perfect mortgage product.
Enquire Now

We charge a fee of £750 for the straight forward mortgage application and up to £1,495 for the more complex ones. Prior to application we will let you know when this becomes payable. Please note we do not charge any fees upfront. CCJ Mortgage Expert, IVA Mortgage Expert, Expat Mortgage Expert and The Mortgage Expert are trading styles of The Mortgage Expert Group Ltd. The Mortgage Expert Group Limited is authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the Financial Services Register under reference 980777. Registered in England 11642575. Registered Office: Wrest Park, Silsoe, Bedford, Bedfordshire MK45 4HS. It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please contact us by writing to our Customer Services Department, The Mortgage Expert, Wrest Park, Silsoe, Bedford, Bedfordshire MK45 4HS or by phone: 01582 450000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service