First-Time Buyer
Mortgages

First-time buyer? Welcome to Mortgage Synergy. You’re in safe hands with our first-time buyer mortgage advisers. You’ve dreamed of buying your first home. You’ve saved towards your deposit. So, what happens next?

Get a Mortgage in Principle

Your dream home awaits

Many of our clients are first-time buyers with the image of their first home mapped out in their head. Deciding colour schemes, selecting kitchen worktops and envisioning years of happiness to come.

Our aim is to be your first port of call when it comes to arranging a mortgage. There’s no denying that the UK property market is competitive and houses cost more than ever, but by working with one of our advisers, we’ll look for the best deal for your circumstances.

You might need a Mortgage in Principle (MIP) and want to start viewing properties knowing what you can afford. Or you might be at an earlier stage in the entire process and want us to check your affordability. Wherever you’re at, we’ll get the ball rolling and help you secure a mortgage for your first home.

Getting started with the mortgage application process

Before you start looking for the right home, it’s important to remember that a mortgage is a secured loan you take out, with the agreement of repaying the loan each month.

Your first home is on the horizon, but there’s plenty to consider before it’s all yours. This is where we can support you. As first-time buyer mortgage advisers, we can offer you our specialist expertise. Combined, our team has many, many years of experience advising clients on mortgages as first-time buyers.

From assessing your finances and borrowing eligibility to whether you need insurance for your mortgage and signing a contract, we’re here every step of the way. Those jargon-filled documents you’ve received when inquiring about mortgages, eligibility, and properties, we’ll break those down for you. We make the mortgage application as simple as possible and ensure you know what everything means.

With so many mortgage options available, it’s normal for a first-time buyer to feel overwhelmed. With one of our mortgage advisers on your side, we can help you find the best mortgage deal for the best price. Should you face any hurdles when applying, there’s no need to panic. Our team knows the best way of handling these kinds of scenarios, which is why seeking professional advice is a highly recommended route.

Why first-time buyers choose to work with a mortgage adviser

Now, you can search for a mortgage yourself on your own terms. But many first-time buyers enlist the help of an expert mortgage adviser. And they do so for many reasons. As accredited advisers, we have exclusive access to great deals and discounts. We’re by your side every step of the way—we’ll share our fountain of knowledge with you.

By working with us at Mortgage Synergy, the advice and recommendations we give is regulated and accredited by the FCA (Financial Conduct Authority). This means you’re protected by a professional body as soon as you step into our office to start the mortgage process.

What’s more, we’ll ensure you know all you need to know, including the legal parts of the application and how your monthly repayments are calculated. Our first-time buyer mortgage advisers are qualified, experienced, and we always keep up-to-date with any changes to the market and the regulations that go with it.

Getting advice from an expert is valuable, not only in terms of the high-quality, professional service we provide, but it also ensures all legalities regarding your mortgage application are complied with.

As mortgage advisers, we’re in a unique position which gives us access to all the lenders on the UK market. We can even secure you a mortgage deal you might not have found online yourself. We’ve built long-lasting relationships with the lenders, which awards us with access to exclusive deals.

Why us?

Our first-time buyer mortgage advisers at Mortgage Synergy know it’s not as simple as choosing a property and transferring a deposit, it’s a lengthy process. One which can appear confusing and complex without an expert by your side.

We’ve got all the information you’ll need to complete your mortgage application correctly. We’ll search the UK lender market on your behalf, using our wealth of knowledge to find a mortgage suitable for your personal circumstances and budget.

We’ll work with you to better understand your situation and what you can realistically afford to pinpoint the right mortgage for you.

We know how the mortgage industry works, so any questions you have, one of our expert advisers will have the answer. The property market is no stranger to us!

With a deposit of around 20% of the property price, you’ll soon have the keys to your new place. But we can talk about deposits when you get in touch with us.

So, if you’re unsure where to start, please give us a call or enquire via our contact form. One of our first-time buyer mortgage advisers will be happy to help and assist you on your journey to owning your first home.

Your home may be repossessed if you do not keep up repayments on your mortgage.