Looking to get on the property ladder?- You need a first-time buyer mortgage!
What are your options for buying a home as a first-time buyer
Buying your first home is a big step and there are many important points to consider. You don’t know where to start.
Your Property Financial Ltd mortgage brokers who specialise in helping first-time buyers onto the property ladder
Looking to get on the property ladder?- You need a first-time buyers mortgage!
So you’re looking to get onto the property ladder and want to buy your first home. Becoming a homeowner is an exciting prospect, once completed you will finally have a place you can call your own!
It can feel at first overwhelming on what you need to do, thankfully we’re here to help guide you through the whole process from beginning to end.
From what documents you need, to the deposit required to how much the lenders will lend you to what is the different steps in the house buying process from beginning to end are, your mortgage broker will guide you through the process to ensure you’re fully informed and aware and make sure you get the most suitable rate and terms on your mortgage.
What clients are saying about us
Georgiana Olescu2024-04-10Paul is an amazing broker, very helpful, responsive to emails and patient with customers. The process with him was quick and easy as his work ethic is impeccable. We are beyond impressed and happy with his services and that we got to work with him.
Valerie O2023-12-28Exceptional service provided by Paul, I could not have asked for better. Definitely does his due diligence and goes above and beyond. Highly recommended!
Bonnie Frost2023-12-25Paul is a fantastic advisor and guided my husband and myself through the entire process of buying our first home, he made the entire process feel easy and we were well informed along with great communication and fast action. We completed within 3 months of contacting Paul.
Johnathan Lowery2023-11-16Working with Paul has been a hugely positive experience. Paul took the time to understand our needs and financial situation, ultimately securing us a mortgage deal that we would not have been able to obtain on our own. His guidance and patience over an extended time was invaluable in guiding us through a volatile period in the property market. I highly recommend working with Paul at Your Property Financial.
Adeel Sarwar2023-10-02It has been great working with Paul. He helped us to redeem our help to buy equity loan which didn't seem possible to me when I first contacted him. It took much longer than expected due to many obstacles but Paul explained every step of the process very clearly and he regularly communicated with me to ensure the remortgage went through as efficiently as possible. I would definitely recommend working with Your Property Financial.
Jessica2023-08-29I would highly recommend Paul as a mortgage broker. As a first time lone buyer I began the process feeling very out of my depth, particularly in a market where mortgage rates are very high. But from the get go Paul provided reassurance and practical guidance and has been immensely helpful throughout the process. I've really appreciated his responsiveness, honesty and support.
Louise Griffiths2023-08-28I reached out to Paul 2 years ago and giving this review now because I wanted to ensure that I could give a true review of what benefits I have experienced from using his service. I am thrilled with the financial expertise given to me by Paul. His skillful negotiation secured me an excellent mortgage rate within a short turn around time. This has not only set me on the path to paying off my principal balance but has also allowed me to simultaneously build a solid emergency fund. His initial guidance has been invaluable in shaping my financial future. I look forward to working with Paul again, once my 5 year plan is near its end. Highly recommended!
Calum Hebron2023-08-05Paul has been consistently excellent, ensuring we got the best possible mortgage deal at a time when rates weren't great. Paul worked with us to understand our financial complexities and went above and beyond to ensure they were understood by mortgage providers. We've been made to understand every stage of the process, and as first time buyers we were able to feel confident in the decisions we made. I would highly recommend working with Paul at Your Property Financial.
Czarina2023-08-04My almost a year-long journey with Paul as my broker has been truly amazing, despite a few hiccups during the mortgage process. Working with him has been the best decision ever! As a first-time buyer, I lacked knowledge about purchasing a home, but Paul's guidance and expertise were outstanding. He explained things in a clear and concise way. What impressed me the most was Paul's responsiveness. He promptly addressed all my questions and concerns, never making me feel like a bother. Even when I faced challenges, Paul's determination and problem-solving skills were unwavering. I felt so supported throughout the entire process. Thanks to Paul's unwavering support, I managed to reach this point. I highly recommend him to anyone, especially fellow first-time buyers. Paul's knowledge, patience, and reliability are unmatched. He's not just a broker; he's an invaluable ally in this complex process. Thank you, Paul!
Alistair Prestidge2023-07-11Paul helped me to get my Mortgage approved in less then 48 hours! He has been great and I can’t recommend him highly enough. His communication is excellent, and he helped me understand each stage of the process easily. Thank you so much for helping me buy my very first home! I will most certainly be recommending Paul to friends & family!
Obtaining specific mortgage advice from a broker is crucial as they will make sure you get the most suitable rate and terms available and help you from the very beginning all the way through to when you have the keys in your hand
Your mortgage broker will guide and advise you throughout the house buying process on your options, from what documents you need, to your different mortgage options from over 90+ lenders available, to the deposit required to helping you obtain your 
Mortgage Certificate so you can start to make an offer on the new home you wish to buy.
Our mortgage brokers will also deal with the lender on your behalf and will represent you in the best possible way to improve your chances significantly of being approved for your mortgage.
Looking to a buy home? You need Morgage Certificate!
The agreement in principle is a credit check and can show on your credit report. Multiple checks before you need to proceed with your mortgage application can come back to bite you as other/future mortgage lenders will see all these checks.
They will start to wonder why, as it can be perceived that the other lenders are turning you down, as a declined credit score doesn’t show on their system checks just that you had a credit check with another lender. It’s also too early to know which lender you may proceed with as rates change daily and only until the day you submit your mortgage application do you know the lender you’re going to go ahead with.
When it’s the right time to have an agreement principle/credit checks your mortgage broker will make you aware.
The estate agent will often say you can’t make an offer or even view the property unless they’re confident you can get the mortgage, so you can feel forced into revealing how much you can borrow and afford and this is never a good thing in a negotiation.
Your mortgage broker can deal with the estate agent to help avoid these situations.
Watch our brief Mortgage Certificate and Agreement Principal video
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Why choose us
We can find great deals at speed
Access to over +90 lenders so you will get the most suitable rates and terms available with many of these lenders not available on the high street which are exclusive to brokers.
We’re experts in the field
Our team of brokers are specialists with helping to get you new mortgage deal and can help you understand the best options available to you as we fully consider the rate and all the different fee’s to make sure you get the most suitable terms.
relationship
Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there answer all the questions you may have.
Rapid solutions
We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you.
If you prefer to speak face to face we can also arrange a video call.
