First Time Buyer Mortgages

We make First Time Buyer mortgages

Our Mortgage advisers are local to you & will work with you every step of the way to make the first time buyer mortgage process simple, we will explain the entire process & do the paperwork.

Big decisions made easy

A mortgage is most probably the largest expenditure you will ever have to undertake, as a first time buyer getting it right is essential, that is where we would like to help you.

Access Mortgage lenders

We can access the major lenders in the First Time Buyer market, we can compare different mortgage lenders, type’s & rates to suit you. It’s all covered with a GHL Direct adviser

10 steps to Mortgage & Insurance success


If you ready to secure your dream home and protect it, the easiest way is to search our advisers, view their profile and drop them a message. They will call you back at your chosen day and time at no cost or obligation to you. If you would rather we connect you with the best adviser in your location just complete the quick form, we will arrange a callback for you.
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About First Time Buyer Mortgages

Mortgage Steps

Valuation fee

Lenders usually ask you to pay the valuation fee with your mortgage application form by credit/debit card. The type of valuation you choose will depend on factors such as the age and condition of the property and whether there is any history of subsidence in the area. If the valuation isn’t carried out the fee can be refunded


Arrangement fee

You can either pay this by credit/debit card, or on completion of your mortgage. Some lenders will allow the fee to be added to your mortgage, but this means you will be charged interest on it over the term of the mortgage. You may get some or all of it back if the mortgage is declined or withdrawn (specified in your mortgage Illustration).


Legal costs and fees

The fees charged by a solicitor include the charge for conveyancing (the transfer of ownership of land), and the costs of legal registrations and miscellaneous costs (known as disbursements) such as Local Search fees and Land Registry fees. You should try to obtain an estimate of these costs early on in the process. Some lenders may offer to finance some or all of the legal costs as an incentive


Stamp Duty

Stamp duty is a ‘purchase tax’ and is generally payable where the purchase price of the property is higher than a predefined limit set by the government. We will be able to confirm the current charge, which is based on a percentage of the property purchase price. Stamp duty is not payable for remortgages. To check if you need to pay any stamp duty or find the amount you may need to pay please use our Mortgage calculator

First Time Buyer news

We have prepared some First Time Buyer Mortgage posts.
These may help you if your new to the market or just looking for extra information

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