First Time Buyer Mortgages

First Time Buyer Mortgage Advisor in Middlesbrough

Looking to buy your first home? Then let us help you! We have been involved in the mortgage industry for many years and have watched the property industry’s ups and downs! It’s given us plenty of insight and experience about the best type of mortgages for first-time buyers and how we can help take the stress away and make the home buying process run as smoothly as possible.

First Time Buyer Mortgages – what you need to know

There are a number of government first-time buyer schemes around and which may be worth looking into. These include Help to Buy (Equity Loan Scheme), Help to Buy ISA, Right to Buy and Shared Ownership.

Each government scheme does have a set of criteria though. If you don’t meet them, you don’t qualify. In addition, there are limitations on the amount you can borrow and the type of property you can typically buy. We explain some of these schemes in detail on other pages of our website. See links Help to Buy and Right to Buy.


Let us step in and advise you if:

  • You’ve spotted a property you love the look of and would like to make an offer for
  • You’re not sure how much you would be allowed to borrow and need someone to sit down with you and help explain your finances and what’s needed
  • You’ve jumped the gun and already put in an offer on a house. Now you need to get that mortgage sorted. Pronto!
  • You need a Mortgage in Principle so that you’re prepared for any would-be house purchases in the near future
  • The bank you’ve had your savings in all your life won’t consider your mortgage application because your credit record has gone a bit array in recent years
  • You’d like to get a mortgage with your best friend or sibling, making the whole process too complicated for your typical high street mortgage lender

Why a mortgage broker like us is invaluable

  • Not only will we give you top financial advice when it comes to financing your first home – but we’ll also be there to provide some emotional hand-holding too. Property is probably the biggest item you’ll ever buy so understandably some first-time buyers become very nervous at the prospect
  • We’re not linked to any estate agents, banks or builders so we work solely for you
  • If you are interested in applying for a government first-time buyer scheme, we can talk you through the process, taking our time to make sure you understand the pros and cons of each
  • We have fantastic reviews from delighted previous clients. Take a look here
  • Our team has a huge list of mortgage providers to choose from, making sure we can find one which exactly fits your needs and budget

If you like the sound of the above then why not give us a call today and make an appointment with one of our team? We’re open from 8 am to 10 pm seven days a week.

It’s good to be prepared: knowledge is power (something that’s handy when dealing with estate agents). And, anyway, you may just find your perfect home next time you go looking. With your finances already worked out, you’re already more than halfway there to being a first-time homeowner. 
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Middlesbroughmoneyman Open & Honest Mortgage Advice in Middlesbrough & Middlesbroughmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

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1 Exchange Square, Middlesbrough, TS1 1DE

The Financial Conduct Authority does not regulate most buy to let mortgages.

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