First Time Buyer Mortgages

Congratulations! Deciding it’s time to purchase your first home is a big decision. But becoming a homeowner doesn’t have to be stressful or confusing; choosing Pure Property Finance can make the process of finding a first-time mortgage quick and simple.

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    Key Features:

    • LTVs up to 95%
    • All deposit sources considered
    • Complicated or non-standard incomes are welcome
    • Access to specialist adverse lenders

    Purchasing from as little as a 5% deposit

    If you’re looking for your first mortgage and are worried you won’t be accepted or have previously been refused by your bank, it doesn’t mean you can’t have your dream home! We’re experts in finding specialist mortgages.

    • Haven’t borrowed before and have little credit history?

    We know of several specialist lenders that we can approach who will be willing to look into this for you.

    • Have a poor credit score?

    We can look at a variety of lenders that may accept a colourful credit history – even those that high street banks would not accept.

    • Worried about your type of employment?

    Whether you have a zero hour contract, a seasonal job, rely on commission or are self-employed, we know which lenders will consider your application regardless of your employment type.

    • On benefits?

    We have lenders that will allow you to use the benefits you receive to help increase your borrowing capacity.

    • Currently studying?

    Having a full-time career is not always a necessity for securing a loan.


    Get an agreement in principle

    Before you put an offer down on your first home, it is important to get an agreement in principle. Speak to one of our friendly brokers today about securing a commitment-free indication of how much a lender may be able to lend you. Estate agents and sellers will love this confirmation that you are a committed, suitable buyer!

    An agreement in principle will have no effect on your credit rating and will give you a clear indication of which properties you can afford. However, please be aware, the amount is not guaranteed.


    Do I qualify as a first-time buyer?

    A first-time buyer is defined as anyone who has never owned an interest in a residential property in the UK or abroad and intends on occupying the home as their main residence.

    If you own a property, or have in the past, you may not be classified as a ‘first time buyer’ – even if it is a buy-to-let investment.

    Why use us?

    If you’re ready to get on the property ladder, our experts can help secure you the finance to climb that first rung.

    1. Experienced finance experts
    2. Complicated processes made easy
    3. Helpful, but not pushy
    4. No jargon
    5. Fast finance turnaround

    Ready to talk finance?

    Call us and speak to one of our experts

    02920 766 565 Request a Callback