First Time Buyer Mortgages

There is so much to think about when buying your first home.

Our Mortgage Advice Service for First Time Buyer Mortgages comes with Step by Step Guidance to save you time, money and unnecessary stress.

Learn how you can simplify your journey to buying your first home…

Book Your FREE Initial Consultation

Mortgages for First Time Buyers

Whether your looking to buy a new build, an apartment or a standard resale property, we’ve got First Time Buyer Mortgages covered.

First Time Buyer Mortgage
First Time Buyer Schemes:
  • Mortgage Guarantee Scheme, First Home Scheme, Shared Ownership and Right to Buy
Low Deposit Mortgages:
  • 5% Deposit mortgage and no deposits available from family assisted mortgages.
Employment Status:
  • Employed, Self Employed, Professional, Forces and Contractor mortgages
Poor Credit:
  • Late and Missed Payments, Defaults, CCJ’s, IVA’s

We research deals from over 90 mortgage lenders for First Time Buyer Mortgages.

Natwest
Aldermore

First Time Buyer Mortgage Advice Service

No matter what stage you are at with buying your first home, we will provide step by step guidance for you every step of the way.

One

FREE Initial Consultation

This is your first step to securing your first time buyer mortgage.

We give you the time you need so you understand what’s involved and here we will:

  • Answer all of your questions in plain english with no jargon.
  • Provide you with the details that you need to be aware of.
  • Help you think about the bigger picture.
  • Explain the mortgage journey.
  • Let you know the documents required.

Even if your not ready to apply for a mortgage but are looking to buy within a few years, we still recommend you carry out this crucial step so you are prepare for when you are looking to buy your first home.

two

Mortgage Assessment Service

Here you get to know where you stand with a mortgage.

We will check your eligibility for a mortgage by reviewing your:

  • Income and Expenditure.
  • Debt.
  • Conduct of bank accounts.
  • Credit Report History.

3 types of research will then be undertaken for you:

  • Affordability test to see how much you can borrow from each lender.
  • Criteria to see which lenders criteria fits your circumstances.
  • Price comparison against the deals you qualify and to identify the difference in fees and monthly repayments.

You will also receive a recommendation meeting for us to discuss your options.

If you are not able to get a mortgage, we will help you get mortgage ready!

three

Mortgage Application Service

Your offer is agreed on a house and you want a mortgage.

We will eliminate all the stress by doing all the hard work for you:

  • Submit your application to the mortgage company
  • All the chasing is done for you with regular updates provided
  • Answer and deal with the lenders queries.
  • Deal with your estate agent and solicitor.

Once your mortgage is approved we will:

  • Check your mortgage offer to ensure it is correct.
  • Have an insurance review with you so you are aware of your options.
  • Make sure everything is ready to complete as it should.

Appointments are available Monday to Saturday with Evening Meetings available Monday to Friday only.

Meet in Person | Zoom / Teams | Telephone

(In person meetings only available for people located in Preston and surrounding areas)

Book Your FREE Initial Consultation

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

Bad credit
Go to check my file to get your Credit Report

Get a Copy of Your Credit Report

When considering a mortgage application, we are required to get a copy of your credit report to review your credit history and to get up to date information regarding your outstanding debts.

We only accept credit reports from Check My File as they provide a multi credit agency report which collects information from the top 3 credit reference agency’s.  This is important as such companies do not necessarily collect the same information and therefore, we must ensure the information we have is correct.

You can try it for free for 30 days, then pay £14.99 per month and can cancel online anytime.

We will receive a small referral fee from check my file.

Client Testimonials

“Paul was a live saver when it came to my house purchase. I have a very busy job and was worried I would drop the ball, luckily Paul was there every step of the way to advise and organise at every step. 100% recommend and would use again, exceptional service and advice.”

Mr SillPreston

“From the very moment I spoke with Paul over the phone I knew I was dealing with a professional. Paul helped us over a space of 10 month. He went through every detail with our mortgage and explained everything to us brilliantly. Every time I rang, Paul took the call or got straight back to us. We was never left wondering or waiting. He kept me updated with any progress made via call, text or email. I can't speak highly enough of Paul and his work. Thank you very much for everything. We will definitely use you again and certainly recommend you to anyone and everyone.”

Mr EarnshawLeyland

“I can't thank Paul enough for his service.

He has delivered a brilliant service to us and been very clear about where we were up to and what options were available to us. He was efficient and responsive and made the whole process a lot less stressful and we were able to buy a house that we initially thought wouldn't be possible. Very professional and also a really nice person to deal with. I would highly recommend Paul if you are looking for mortgage advice or any financial advice.”

Miss OrmandLongridge

“I came to Paul Dolphin for mortgage advice and I’ve gotten 100 times more than I expected. Over the last month I’ve gotten a much better handle on my finances all thanks to his help, focusing on what’s important rather than what I thought would just be what house should I buy. I’m overwhelmed and I can honestly say I asked him why more people aren’t getting the same advice because I am extremely glad I’ve come across him. No brainer”

Mr CoynePreston

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