First Time Buyers
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Services
First Time Buyer Mortgage Advice – Your First Home Starts Here
Buying your first home is exciting — but it can also feel like a maze of jargon, forms, and financial uncertainty. At Connect Mortgage Services, we specialise in helping first-time buyers across the UK navigate the process with clarity and confidence. From explaining your options to securing the right deal, we’re with you every step of the way.
Clear, Friendly Advice Without the Jargon
We know that getting your first mortgage can feel overwhelming — but we’re here to make it simple. We’ll explain everything in plain English, take time to answer all your questions, and guide you through each step from start to finish.
Tailored Recommendations That Work for You
Your situation is unique — whether you’re buying solo, as a couple, or using a family gift. We get to know your full financial picture so we can recommend the right lender and mortgage type, not just the one with the lowest rate on paper.
Full Support Beyond Just the Mortgage
From budgeting and deposits to legal steps and government schemes, we’ll support you far beyond the mortgage itself. Our goal is to help you feel fully informed, confident, and excited about your move — not stressed out.
Step-by-Step Support for Every First-Time Buyer
We help first-time buyers in all kinds of situations — whether you’re months away from applying or already house hunting. Here’s how we support different buyers:
- Buying with a Small Deposit
We’ll show you which lenders accept 5–10% deposits and help you explore options like family-assisted mortgages or gifted deposits. - Using a Government Scheme
From Help to Buy to Shared Ownership and First Homes, we’ll walk you through the eligibility and benefits of each scheme and how to apply. - Applying with a Partner or Co-Buyer
Whether you’re buying with a partner, friend, or sibling, we’ll explain your joint borrowing potential and help you structure things fairly. - Budgeting and Mortgage Readiness
Not quite ready yet? We’ll help you understand how much you could borrow, how to build your deposit, and what steps to take now to improve your chances later. - Self-Employed or Freelance Buyers
We know which lenders are more flexible with non-standard income. We’ll present your case clearly to get you the mortgage you deserve.
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Our Process – What to Expect as a First-Time Buyer
- Free Initial Chat
We’ll get to know your goals, timeline, and finances — and explain what your options are in simple, jargon-free language. - Agreement in Principle
Once you’re ready, we’ll help you secure an Agreement in Principle from a lender, so you can confidently view properties. - Full Application Support
We handle your mortgage application, deal with the lender, and work closely with your solicitor to keep things moving smoothly. - Ongoing Advice & Updates
You’ll never be left in the dark — we’ll keep you updated throughout the process and answer any questions you have, big or small.
What Our Clients Say
”Justin supported us through the purchase of our 1st house. We honestly couldn’t be happier with the service he provided. We went in for our 1st meeting unsure on the best route forward. Justin listened to what we wanted and explained all of our options. Justin made everything feel so simple and filled us with nothing but confidence. Justin was always on the end of the phone if we needed him, offering advice and recommendations when we needed. He made the process so easy for us. Would recommend Justin to anyone looking for a mortgage advisor!
Shane & Chloe Brooks, Google review
”I’m currently going through the process of purchasing my first property, I have had an outstanding experience with Justin at Connect Mortgage Services. His friendly and approachable demeanour immediately put me at ease. The advice given has been extremely helpful, and I would highly recommend Justin and the team to anyone needing mortgage assistance. Thank you for all of your help Justin, you’ve been fantastic!!
Tia, Google review
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Frequently Asked Questions
How much deposit do I need for a buy to let mortgage?
It depends on your income, credit history, and deposit size. We’ll give you a personalised estimate based on your full financial picture.
Can I buy with just a 5% deposit?
Yes — several lenders offer 95% mortgages, and there are also government-backed options that can help. We’ll explain what’s available.
What costs do I need to plan for?
Alongside your deposit, you’ll need to budget for solicitor fees, surveys, and possibly stamp duty (depending on the property price). We’ll help you understand the full cost picture.
Do you only help buyers in certain areas?
No — we help first-time buyers across the UK. We can work with you by phone or video call at a time that suits you.
Do I need a mortgage offer before viewing properties?
It’s a good idea to get an Agreement in Principle first — it shows sellers you’re serious and helps you know your price range.
First Time Buyer articles
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Demystifying Homeownership: A Comprehensive Guide for First-Time Buyers
Demystifying Homeownership: A Comprehensive Guide for First-Time Buyers
Demystifying Homeownership: A Comprehensive Guide for First-Time Buyers
