First Time Buyer Mortgages
- No hidden fees.
- Personal relationship.
- First time buyer mortgage experts.
- Flexible appointments.
Providing all the first time homebuyer advice you need.
We know that buying your first home is a huge deal and often the whole process of getting a mortgage is a completely alien one – not to mention overwhelming. That’s why we’re here to guide you through the first time homebuyer process and ensure you’re confident the whole way.
We provide you with all the first time buyer advice you need, and ensure you understand absolutely everything.
To provide some starting help for the first time homebuyer, we’ve set out below the main costs you may incur when purchasing a property and securing a mortgage. This is by no means every cost but it covers the main ones to budget for.
Stamp Duty
Government tax payable when you complete your purchase. The amount payable is based on the purchase price. For the latest rates please see the HMRC website.
Solicitors Fees
This amount will vary from case to case but for a single purchase typical legal fees including disbursements may be around £700 – £1000.
First Time Buyer Mortgage Calculator
Just complete the quick form below to ask Holly our AI Assistant to scan the market and give you an indication of what your First Time Buyer Mortgage could look like.
Property Survey
No matter if you’re a first time homebuyer or a property-purchasing veteran, if you are arranging a mortgage to purchase your new property the leader will instruct a surveyor to carry out a valuation to confirm the property will be acceptable as suitable security. This can typically cost between £250 – £350 but this figure may be higher on some mortgage products.
Whether you’re excited, nervous, apprehensive, or simply dying to secure a mortgage and get into your first owned property, we’re here to help.
So, if you’re a first time homebuyer and need assistance with your mortgage, get in touch with us today and we’ll give you a quality service that can make the whole process a lot smoother.
Need help from an established mortgage broker? Give us a call or request help by sending us a message through our contact page.
Applying for a mortgage as a first time buyer couldn’t have been easier with HHH mortgages. Extremely helpful and professional at every turn. I had the pleasure of having Mark and Caroline dealing with my case, any questions were answered and dealt with very quickly, couldn’t recommend enough!
I would highly recommend House and Holiday Home Mortgages. Mark and his team were always on hand to respond to any queries and the many questions I had as a first time buyer. Each response was prompt and the team accommodated with calls outside of my working hours which was really appreciated. The process was straightforward and they helped me find a great deal.
Sally has been fantastic from start to finish. She made the process seem simple, and found me a great deal. She was really friendly and proactive and was always there straight away if i had any questions. It was really great service.
We recommend Mark and the HHH team to anyone we know looking for mortgage or remortgage advice. We have always (having first contacted Mark over 7 years ago) received excellent advice and support. We felt completely in safe hands with Mark. Thank you so much to everyone at HHH for years of excellent service.
I would heartily recommend Mark and his team. From the moment I first contacted them, they have replied promptly, explained things patiently, and spent time getting to know me and my situation. They have made the process of remortgaging about as hassle-free as it can be!
Excellent service and very quick with results. I will definitely recommend them to people.
Mark Stallard has advised us well in all aspects of arranging our Life Time Mortgage with a relaxed, friendly approach. His knowledge of the concept and the market has been completely reassuring, and his connections with the other professionals necessary to the process have made it a smooth journey to completion.
Mark and his team have been fantastic at finding great deals, quickly and efficiently. He has no doubt saved me thousands of pounds in the process. I cannot recommend HHH mortgages more highly!
Sheer perseverance and determination is Mark Stallard’s mantra. Our Lifetime Mortgage posed more than a few, what seemed like insurmountable issues; nothing defeated Mark in ultimately delivering a successful resolution. Someone with less experience could have struggled. Thank you HHH. We would recommend you for all mortgage needs.
I was so lucky to find Mark when I was in a complex situation regarding a property I wanted to turn into a holiday let. Not only did he achieve what had seemed the impossible by successfully obtaining that mortgage for me, he was also an absolute pleasure to deal with. The nicest person you could hope to meet! I will never use any other broker. Thank you so much, Mark.
I cannot praise both Craig and Mark highly enough. Craig first explored every option to help with a difficult situation and nothing was too much troubke. Mark then took over our case . He was so patient and understanding and again explored every option for us . He finally found the best solution which was Equity release. He guided me all the way through and helped make the process so easy. We are now in a much better place due to these great guys. Thankyou so much HHH.
Mark at HHH has helped me with a number of mortgages now, both when I’ve been moving home and when I’ve needed to remortgage. Every time he’s been a pleasure to work with, and I’ve felt that he has my best interests at heart. I would recommend him wholeheartedly – in fact, I have done to many of my friends.
Craig was a personal expert, providing great advice and communication throughout the buying process for our holiday home. He dealt with shifting situations in mortgage products, sellers pulling out, and mortgage extensions without any problem and removed all of the stress from us – he has found us a great deal and been Uber helpful throughout. Thanks so much.All of the advice, patience, and expertise has been very much appreciated. It has created a really great moment for me and my family, to own a holiday home in a lovely part of Suffolk.
Sally has made the process of buying our house very easy. She was always in touch with us- even when she was on holiday! She was always on hand to answer our questions and would reply to my emails on the same day. We have recommended Sally to any friends and family who are also remortgaging.
Sally couldn’t have done more to help me secure a house and mortgage over the last 12 months. I have finally completed on my home and I am so grateful for her advice and patience with me, as I embarked on trying to buy a renovation property in an extremely competitive housing market. I always had absolute trust in HHHM to ensure I was getting the best rates and that they were considering my long term needs. The phrase going above and beyond doesn’t describe enough, how thoughtful and dedicated Sally has been to getting me across the line. Thank you!
I cannot rate Craig from HHH mortgages highly enough. As a first time buyer I found the prospect of buying a flat quite daunting. Craig not only secured me a great deal on a mortgage but also supported me throughout the process of the sale through to completion. Craig was always on hand for advice and help and was particularly helpful at dealing with my solicitors and ensuring any problems were dealt with quickly. Craig also spent a lot of time chasing updates on my behalf which alleviated so much stress for me. I’m very grateful for all the work Craig put in and he’s been a joy to work with. I will definitely be recommending him and returning to him in the future!
Joe and Ben at HHH Mortgages were great! I had a few tricky circumstances to navigate, and they were both super helpful throughout, professional, and came up with solutions to make the entire remortgaging process a joy. Would highly recommend and definitely will be working with them in the future!
A professional company with a personal touch. It was good to speak with an advisor who not only listened patiently whilst we explained our problem, but relentlessly sourced a wide range of options with speed, care and attention to detail.
Since 2016, Mark has supported us in finding two affordable mortgages and (importantly) ones that have been just right for our needs. He has always listened to our requirements and helped us to explore different options. Mark has a caring nature and we’ve appreciated him guiding us through what could have been a stressful process. We would recommend him to anybody.
Having entered the house-buying process with some trepidation, given our circumstances (self-employed, etc.), we cannot be more grateful for the superb service provided by Joe and Ben at HHH. They were always easy to contact, friendly, helpful, and took time to explain everything to us. The whole experience was notable for a level of care and attention to detail rarely seen.We cannot recommend them highly enough.
A seamless, professional service, from start to finish. HIghly recommended. Mark took the time to understand our exact needs and matched us with the ideal product at a very competitive rate.
Brilliant service as always – Mark is a delight and answered all our questions about our remortgage swiftly!
We have received superb service from House & Holiday Home Mortgages, and we would not hesitate to recommend them. From start to finish, Joe Stallard and Ben Walker have both been excellent – friendly, easily contactable, quick to reply to emails and totally professional throughout. It is fair to say that they have made the whole process a pleasure. Thank you!
Sally helped me buy my first house in 2021, at the height of the stamp duty holiday property rush. She not only found an excellent mortgage deal, but was full of useful advice all the way through the process of house buying: from viewings to completion. Despite the busyness of the market, Sally was always responsive and efficient, finding and applying for mortgage deals with impressive speed.Would definitely recommend her to any first time buyers: made the whole process so much easier and went such a long way having someone on hand to explain the confusing world of house hunting.
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