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…

First time buyer mortgage

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 submit your own application here. Or, if you’d prefer to let us look after your first-time buyer mortgage application, click 'get started' to share your details and we'll give you a call.

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

first time buyer mortgage application quick guide

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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?

In normal circumstances our stock answer currently is 5%. However, dependent on circumstances, there are some products that allow a zero contribution from you. Get in touch to see if you could be eligible for a zero deposit mortgage.

Do I have to pay stamp duty? How much?

The Government change stamp duty rules quite often and the best way to find out what levels of stamp duty are payable is to use the Government's Stamp duty calculator or speak to one of our advisers today.

your question not answered here? view all faqs

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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.

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complete flexibility

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.

experienced, dynamic advisors
Happy clients

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.

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