First Time Buyer
Your Journey to Homeownership Starts Here
Buying your first home is an exciting milestone, but it can also feel overwhelming. At Ed Davey Mortgages, we’re here to guide you every step of the way. With our expert advice and personal touch, we’ll make sure your journey to owning your first home is smooth, stress-free, and tailored to your unique needs.
Call us at 01252 918 144, book a meeting or reach out via our contact form. We’re here to help!
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Choose Ed Davey Mortgages for Your First-Time Buyer Mortgage?
Expert Guidance
Our experienced advisers specialise in first-time buyer mortgages. We understand the challenges you face and offer clear, straightforward advice to help you navigate the process.
Personalised Support
We believe in a personal approach. Your situation is unique, and we tailor our advice to match your financial goals, ensuring you get the best possible mortgage deal.
No Hidden Fees
Transparency is key. Our fees are clear, with no hidden costs. Your initial consultation is free, so you can explore your options without any obligation.
Access to Exclusive Deals
As an independent mortgage broker, we have access to thousands of mortgage products, including some that are not available directly to the public. This means we can find the best mortgage rates and terms to suit your needs.
How We Help First-Time Buyers
Understanding Your Budget
We start by helping you determine how much you can comfortably borrow. This includes assessing your income, expenses, and any other financial commitments to ensure your mortgage is affordable.
Explaining Mortgage Options
Mortgages can be complex, especially for first-time buyers. We break down the different types—such as fixed-rate, tracker, and variable mortgages—so you can make an informed decision.
Managing the Application Process
From start to finish, we handle the mortgage application for you. We liaise with lenders, estate agents, and solicitors, keeping you informed at every stage.
Getting You Mortgage Ready
We review your credit score and provide tips on improving it if needed. We’ll also get your mortgage ‘agreement in principle’ ready, so you’re prepared when you find the perfect home.
Supporting You Through to Completion
Even after your mortgage offer is secured, we’re here to support you until you collect the keys to your new home. We’ll be your point of contact for any questions or concerns, ensuring everything runs smoothly.
First-Time Buyer Schemes
Making Your Dream Home Affordable
There are several government schemes designed to help first-time buyers get on the property ladder. At Ed Davey Mortgages, we can advise you on which schemes you may be eligible for and how to take advantage of them. Some of these include:
Help to Buy
Get a boost with your deposit through this government equity loan scheme.
Shared Ownership
Buy a share of your home and pay rent on the rest, with the option to increase your ownership over time.
First Homes Scheme
Purchase a new build home at a discount of 30% to 50% off the market price.
Why a Mortgage Broker is Essential for First-Time Buyers
Navigating the mortgage market can be daunting, especially with so many products and terms to understand. A mortgage broker like Ed Davey Mortgages is invaluable in this process. We do the legwork for you—comparing deals, handling paperwork, and ensuring you understand every step of the way. With us by your side, you can focus on finding your dream home, knowing the financial side is in safe hands.
Your journey to homeownership starts with a conversation. Contact Ed Davey Mortgages today for a free, no-obligation consultation. Let’s make your dream of owning your first home a reality.
