Mortgages for first time buyers

At Wiser Mortgage Advice, we are passionate about helping you secure your first home while ensuring that your family and finances are protected. Contact us today to speak with one of our team members.

We help you secure your mortgage so you can get your first home

Buying your first property is a big step, which is why at Wiser Mortgage Advice, we are here to help and guide you through the process. Our team of mortgage advisors are dedicated to finding the most suitable products for first-time buyers.

We will walk you through all the costs involved in buying a property, including solicitor fees, surveys, and mortgage arrangement fees. As your mortgage advisor, we will provide an agreement in principle to verify your financial position, Additionally, we will compare an extensive range of mortgage lenders to ensure you get the most suitable product.

We have vast experience in dealing with affordable housing schemes such as Help to Buy and Shared Ownership. Our team will go through a monthly budget planner with you to ensure that the mortgage, protection, and household expenses are affordable.

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Your goals are individual, we believe financial advice should be too

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With you every step of the way

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Agreement In Principal

As a first time buyer providing an agreement in principle to an estate agent to verify your financial position is key. Our commitment is to ensure that you have an agreement in place after our first meeting, so you can stay ahead of other buyers.

Costs Involved

When purchasing a property as a first-time buyer, it’s essential to consider all the associated costs, not just the mortgage. We will provide guidance on any additional expenses that may arise during the buying process and conduct a cost breakdown to ensure that you are prepared for each cost.

Budget Planner

Your maximum borrowing is determined by your income, expenses, property value, deposit, and credit history. To ensure that you can manage your expenses, we can assist you in completing a monthly budget planner.

Help To Buy and Shared Ownership

If you’re looking to get on the property ladder, the government offers various schemes to assist you. At Wiser Mortgage Advice we have extensive knowledge of these schemes and can discuss all available options with you.

I find the entire mortgage process confusing and long winded. Dean explains and handles things in a very simplistic way, meaning that the hard work is done for me. He is personable and always available no matter how many times I need to contact him to ask annoying questions!

I have used Dean’s Services for several years now, and I am looking forward to working with him again in the future.

Stephanie C

This is my first time applying for a mortgage and Clarke has been extremely helpful in every step of the process. He is always responsive, incredibly patient, and very clear in explaining the process. I would definitely recommend and would definitely work with Clarke again for my next mortgage!

Kameze A

Kayleigh was very supportive and helped us find the best deal in the market! would highly recommend.

Dylan K

Clarke has been fantastic at helping me secure my first mortgage. I may have required some slight hand-holding but she was more than happy to walk me through the application and for this I must thank-you for all of your time and efforts Clarke, I will be highly recommending your services!

Holly R

Would highly recommend Dean as a mortgage advisor. Explained everything really well, made sure we were happy with our choice and sorted out our insurances as well. The whole process and application was straightforward and easy with his help.

Anna F

Marcus has been unbelievably helpful and reliable in advising me with my mortgage. He has been able to find me the best deals for nearly two years now and I would not go with anyone but him!

Holly-Mae L

Marcus has been a great help in my house-buying process; he is very knowledgeable and has advised me well with both the mortgage application process and also dealing with solicitors and insurance. He has always been quick to respond both over email and phone. I would fully recommend his services to anyone in the property market!

Sam L

Dean sorted out our mortgage, home and life insurance for us and couldn’t fault him. Quick to respond and worked around us. Found us the best deals and rates. Took the stress of us and arranged everything for us and also was there anytime to contact sorb any questions. Lovely guy and made us laugh and had some banter. Will 100% recommend and will be using Dean again in the future for all our other re mortgages to come and any questions. Also must add very affordable. Thanks so much!

Laura C