first time buyer mortgage

There’s a first time for everything, and if you are a first time buyer, you can’t be expected to know it all. One thing you can be assured of though, is that Affinity is here to offer help for first time buyers. Let us take you through the process step by step, and if you’d like some extra help, we can offer that too…

two ways to apply for a first time buyer mortgage.

At Affinity, we recognise that different people take different approaches. If you prefer to dot your own ‘I’s and cross your own ‘T’s, feel free to proceed to Affinity Online. If you’d prefer to let us look after your first time buyer mortgage application, there’s Affinity Connect.

why use affinity connect?

complete your own application with affinity online

Get your paperwork handy, your ducks in a row and your game face on, it’s time to apply…

get started

let us guide you with affinity connect

If filling out forms is not your thing, give us your info, put your feet up and let us get to work…

get started

first time buyer mortgage application quick guide

first time buyer mortgage checklist: Make sure you can assemble all of the necessary personal and financial paperwork you might need when applying for your first time buyer mortgage.
choose a first time buyer mortgage product: There are a number of different types of first time buyer mortgages out there – pick the one that suits you – we’re here to advise you if you need help.
look at affordability: Have a long hard look at your incomings and out goings to calculate what you can save each month towards mortgage repayments.
agreement in principle: Once we have established the right product and lender for you and made an application, we will obtain an agreement in principle from the lender, meaning you can go house-shopping knowing exactly what you will be able to spend.
find a home: It’s house-hunting time. With your budget and location requirements established, it’s up to you to find your perfect pad.

most common faqs

How much can I borrow as a first time buyer?

The big question! We recognise that this is the first thing people want to find out when they come to us. Different providers follow very different criteria, and those criteria are changing all the time, making it a tough answer to determine. That’s why it’s a good idea to contact an experienced and responsible broker like Affinity Mortgages to scan the current market and identify the product that will afford you the maximum spending power in the housing market. Contact one of our independent, trustworthy advisers and rest assured we will find the best solution for you.

How much deposit do I need as a first time buyer?

Do I have to pay stamp duty? How much?

your question not answered here? view all faqs

affinity connect

Your teacher was wrong. You don’t have to apply yourself. If time is short, let us do what we’re good at. We’ll fill out all the forms without making any of those easy-to-make mistakes that can cause delays or even cause a first time buyer mortgage application to be rejected.

complete flexibility.

Nothing is set in stone, both in terms of how we approach finding the right deal for you – or the deal itself. If we can change anything up to make it more suitable to you, we’ll do it.

experienced, dynamic advisors.

When you contact us, it’s not an intelligent algorithm that’s replying to you – it’s an intelligent human. We’ll be up close and personal throughout your process. And if you’d prefer to chat about your first time buyer mortgage in person, you can visit our offices in Southend, Essex.

happy clients make us happy.

Setting our clients on their way with the ideal financial product is what gives us the warm fuzzy feeling of a job well done. And our clients seem to appreciate it too.

have a question?

If there’s anything you’re unsure about, or if you just want to get the ball rolling, please email us – or give us a call if you want to have a word with a friendly human. Or, if you're local, why not pop in, we're based in Westcliff-on-Sea in Essex.

01702 337003 contact us