First-Time Buyer Mortgage
Buying your first home? Talk to us about finding the best mortgage for a first-time buyer
When you’re getting a foot on the property ladder, it helps to have an experienced first-time buyer mortgage broker by your side
Applying for a mortgage as a first-time buyer can feel overwhelming, as there seems to be so much information that’s required. And filling in those online mortgage applications on your own? Always a struggle.
At Oportfolio, we do everything we can to take care of the financial nitty gritty for you. And as an experienced mortgage broker for first-time buyers, we’re on hand every step of the way, as you start your exciting journey to be homeowners.
First-time buyer mortgages explained
One of the questions we’re always asked by first-time buyers is: what will it cost? Instead, we flip it round and look at what you can afford and the amount you want to spend each month on your mortgage repayments.
What interest rate you pay will depend on your deposit – usually 5%-10% – and your personal circumstances. There’s a choice to be made between fixed and variable rate mortgages, and the length of your mortgage too.
The aim is to maximise your borrowing potential, minimise your payments and ensure you can manage your mortgage throughout the lifecycle of your mortgage.
Video: How To Get A Mortgage As A First-Time Buyer
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At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.
We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.
To find out more, we invite you to download our latest brochure.
Working with a first-time home buyer mortgage broker
As an experienced mortgage broker for first-time buyers, we’re always happy to spend extra time helping you gather all the relevant details together. Then you can hand over your application to us, safe in the knowledge that there won’t be any last-minute requests for any additional information.
As a first-time home buyer mortgage broker, we have access to a range of lenders offering specific first-time buyer mortgage rates.
New affordability rules have made the lending criteria more stringent. So while we can’t ever guarantee an application will be accepted, we make sure you have the best chance possible of securing your first mortgage.
We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.
What other services do we offer?
As part of the mortgage application process, we gather a lot of information about you and your circumstances. So when the time comes to look for an insurance policy, health or income protection or even your next mortgage, we already have most of the information needed.