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How to secure a mortgage as a first time buyer

It’s time to take your first step towards home ownership! Here’s a quick rundown of everything you need to consider when applying for a first time buyer mortgage.

How the first time buyer mortgage process works

Step 1: Find your dream home

This is the most important part – and the most enjoyable!

Once you have decided where you want to live, what kind of property you want to buy, and how much you can afford to spend, it’s a good idea to attend as many viewings as you can. It’s the only way to get a first-hand feel for the homes that are within your budget.

If you need help calculating how much you will be able to borrow towards your mortgage, speak to our brokers. We will happily do the sums and produce a free Agreement in Principle that you can use to prove to potential lenders that you have passed all the standard affordability checks.

Remember, you will need to consider all the other costs involved in buying a property, including solicitors’ fees, valuation fees, and stamp duty. Don’t worry – we can help you do the maths! We can also help you explore other financing options, such as those provided by the government’s Help to Buy scheme.

Step 2: Collect key information for your lender

To secure your first time home buyer mortgage, you will normally need to provide your mortgage company with:

  • A copy of your passport or driver’s license, to prove your identity
  • An indication of how much you can afford to put towards your initial deposit (the more, the better!)
  • Proof of your income, including payslips or accounts and SA302s if you are self-employed
  • Recent bank statements, so the lender can assess your monthly outgoings
  • Proof of any benefits or tax credits you receive
  • Information on any outstanding debts or credit agreements
  • Your solicitor’s details

Step 3: Let us find the right home loan deal for you

This is the bit where you get to step back and watch our brokers work their magic! Your dedicated adviser will scan the whole of the market to find a first time buyer mortgage product that will work for you, from a lender that is highly likely to accept your application.

When we are confident we have found the best possible deal for you, we’ll submit your request. We will then liaise with the lender to answer any of their queries, keep all parties talking to each other, and make sure the application runs as smoothly as possible. We’ll even keep in touch with your solicitors, accountants and surveyors on your behalf, right up until the deal completes and you’re finally handed the keys to your first property!

We love nothing more than helping new homeowners put down roots.

Our first time buyer mortgage brokers boast decades of combined experience in supporting first time buyers. They understand the challenges you’re facing, and they will always take the time to answer your questions as you make your way through the application process.

Here are just a few more reasons to choose CLS Money:

  • Specialist first time buyer mortgage advice
  • Over 2,000 5-star reviews from happy customers
  • Free, no-obligation consultations
  • Evening and weekend appointments available
  • Poor credit histories considered
  • Comprehensive support, from enquiry to completion
  • Track your mortgage progress via our App

Access to specialist mortgage lenders

6 reasons to choose CLS Money

  • Mortgages that suit you

    Mortgages that suit you

    No matter your circumstances, we are here to get the right mortgage for you.

  • Appointments at your convenience

    Appointments at your convenience

    We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

  • Free of charge, no obligation advice

    Free of charge, no obligation advice

    Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

  • At your side

    At your side

    We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

  • With you all the way

    With you all the way

    As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

  • Protecting what matters most

    Protecting what matters most

    We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

How it works

3 simple steps to securing a mortgage with CLS Money

  • Enquire

    Complete our quick and easy form to see the available mortgage products that suit you

  • Apply

    We will handle all the necessary paperwork and manage your entire mortgage application

  • Complete

    Start enjoying the benefits of your new mortgage

Quickly see how likely you are to be ACCEPTED FOR A MORTGAGE before you apply

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