First-Time Buyer Mortgages

Step into homeownership with confidence through expert guidance and market-leading mortgage deals.

Navigating the mortgage process as a first-time buyer can be overwhelming, but The GOT makes it simple. We guide you through every step, from understanding mortgage types to negotiating offers and securing approvals. Our goal is to strengthen your buying position, ensuring you get the best possible deal with minimal hassle.

Your First Home, Simplified

At The GOT, we do more than just arrange mortgages—we’re committed to making your home-buying journey smooth and stress-free. Our dedicated advisers will negotiate and submit offers on your behalf, working closely with estate agents and vendors to secure the best possible deal.

Finding the Right Mortgage for You

Understanding how much you can borrow and choosing the right mortgage type is crucial. Our experts will :

Assess your financial situation to determine your borrowing potential.

Explain mortgage types, including fixed-rate, tracker, and offset mortgages.

Advise on maximizing affordability through deposit options and term selection.

Many lenders provide exclusive benefits for first-time buyers, such as reduced fees, cashback incentives, and free property valuations. We ensure you take full advantage of these offers.

Key Considerations for First-Time Buyers

When selecting a mortgage, it’s important to evaluate :

●●● FIXED VS TRACKER RATES

Choose stability with a fixed rate or flexibility with a tracker mortgage.

●●● DEPOSIT SIZE

A larger deposit can unlock lower interest rates and better deals.

●●● LENDER CRITERIA

Every lender has unique eligibility requirements; we match you with the most suitable options.

A Hassle-Free Mortgage Process

We understand that time is of the essence when securing your dream home. That’s why we work with lenders who offer fast approvals and streamlined processing, giving you a competitive edge in today’s fast-moving property market.

Frequently Asked Qestions

I’m buying my first home — where do I even start?

That’s what we’re here for. We’ll explain the whole process, from checking your budget to choosing the right mortgage and getting your offer accepted.
No question is too small — we’ve helped many first-timers make smart, confident decisions.

How much deposit do I need?

You’ll usually need at least 5% of the home’s value — but the bigger your deposit, the better your mortgage rate.
We’ll help you understand what’s achievable and what lenders expect.

Are there any government schemes that can help?

Yes! You might be eligible for schemes like Shared Ownership or a Lifetime ISA.
We’ll check what you qualify for and guide you through the details.

What’s an Agreement in Principle (AIP)?

An AIP is a quick check by a lender that shows how much you might be able to borrow. It’s useful when house hunting.
We can help you get one fast — with no impact on your credit score.

Will I need loads of documents?

Not loads, but a few key ones: payslips, bank statements, ID, and proof of address.
We’ll give you a checklist so you know exactly what to prepare.

Deepak Jose CeMAP CertPro

Mortgage & Protection Adviser

Trust and credibility are at the heart of what we do in Bexley, London. We ensure that every solution we offer is in your best financial interest.

Consultation

Get a Free Mortgage Quote

Fill out the form below to receive a free, no-obligation mortgage quote tailored to your needs. Once you submit your details, our mortgage experts will review your information and call you back within 24 hours or the next business day to discuss your options.

Still have questions?

Every financial situation is different — and that’s why we take time to listen. Reach out today for a friendly, no-pressure chat with one of our advisors.

Thank you for taking the time to share these details! We truly appreciate your trust in us and look forward to connecting with you.