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First-time buyers

SPF Private Clients are here to support and guide you through the process of securing your first-time buyer mortgage. 

PURCHASING YOUR FIRST HOME

Your mortgage will likely be your biggest outgoing, so it’s important to choose the right one. Our expert mortgage advisers will support you while finding your first-time buyer mortgage. There’s much to think about when you purchase your first home:
  • Will you opt for a fixed-rate mortgage?
  • Will you opt for a Bank of England base rate tracker instead?
  • Have you thought about incentives that lenders are offering, such as cashback, free valuations or fee-free deals?
 
Don’t worry – we can answer these important questions for you. Trusted for over two decades, our team are highly experienced:
  • Recognised within the industry
  • Multi-award winning
  • Access to exclusive rates that aren’t available from other brokers
  • Offering premium, personalised and transparent services
 
Don’t deal with the struggles of finding a suitable first-time buyer mortgage – let us step in and assist you.
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Whatever your enquiry, we will endeavour to be of assistance to you. Please feel free to call us or complete our enquiry form below.

FINDING THE RIGHT FIRST-TIME MORTGAGE FOR YOU

We’re a whole-of-market mortgage brokerage, meaning we have access to most of the lenders out there. Rest assured, we will find you the most suitable and cost-effective first-time buyer mortgage.

If you’re a first-time buyer purchasing a new-build property, or one that’s not due to be complete for several months, you’ll be pleased to know we also have a dedicated New Homes team to assist you. 

We understand how daunting it can be to buy your first home, let alone deal with the complexities of finding the right mortgage. Our advisers will remain on hand to help, making the experience of buying your first home an enjoyable one.

We must note that your first-time home may be repossessed if you fail to keep up with mortgage repayments and any other debt secured on it. We also may charge a fee for our advice, depending on your personal circumstances. Fees are typically charged upon successful mortgage completion. 

To find out more about how we can help secure your first-time buyer mortgage, please feel free to get in touch with us today. We look forward to speaking with you soon. 

WHY USE A MORTGAGE BROKER?

It was predicted that 89% of all mortgages in 2024 will be organised via a broker (source IMLA). Working with a independent, whole of market mortgage broker can save you a great deal of time, stress and money, and you’ll gain invaluable advice throughout the process, and even post-completion. They’ll look to secure you the best deal, and can often access lenders, rates and financing that is not available to the general public.

MorTGAGE
CALCULATORS

Mortgage calculators are a handy way of assessing your options. The right mortgage for you depends on your personal situation and this tool allows you to try out different scenarios to get a good idea of costs.

FIND ME
A MORTGAGE

To compare mortgage deals and see what your interest rate and monthly payments could be, try using our online mortgage rate finder. See the best mortgage rates out there today.

RELATED GUIDES

DOWNLOAD A Guide to Mortgages

Please complete the form below to access our Guide to Buying your First Home.

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