Your first front door
First-time buyers
Buying your first home brings a lot of unfamiliar language and decisions at once. We take it one step at a time, explaining what lenders will look at, what you can realistically borrow and how to put yourself in the strongest position before you start viewing.
How we can help
What we take care of
- Working out a realistic budget, including deposit, fees and moving costs
- Arranging an agreement in principle so you can make offers with confidence
- Explaining deposit sizes, loan-to-value and how they affect your rate
- Comparing fixed, tracker and other product types in plain English
- Managing the application and keeping in touch with your solicitor and agent
Worth knowing
Things to consider
- i.
A larger deposit usually opens up lower rates, but timing matters too.
- ii.
Lenders review recent bank statements, so tidy finances help.
- iii.
Survey, legal and arrangement fees are part of the true cost of buying.
Common questions
Questions we often hear
How much deposit do I need?
Some lenders accept deposits from 5% of the purchase price, though more choice and better rates tend to become available as your deposit grows. We will show you how different deposit levels change your options.
What is an agreement in principle?
It is an indication from a lender of how much they may be willing to lend, based on initial checks. It is not a guaranteed offer, but estate agents often ask for one before accepting an offer.
Let’s talk it through.
Every mortgage starts with a conversation. Tell Leon where you are and where you’d like to be, and we’ll take it from there, at your pace.