First Time Buyer Mortgages
Buying your first home is stressful enough. Arranging your mortgage doesn’t have to be.
Clear, supportive advice for your first step onto the property ladder
Buying your first home is exciting, but it can also feel overwhelming. From understanding what you can afford to navigating lenders, paperwork and timescales, there is a lot to get right. At eddge, we specialise in first time buyer mortgages and we are here to guide you through the process with clarity, confidence and calm.
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Our role is simple. We take the stress out of arranging your mortgage, explain everything in plain English and help you secure the right first time buyer mortgage for your circumstances, without jargon and without guesswork.
Why use a mortgage broker for your first time buyer mortgage?
As a first time buyer, you usually only get one chance to make a strong first impression with a lender. A well prepared application can make the difference between a smooth approval and weeks of unnecessary delays.
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Working with eddge means you benefit from:
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Independent advice tailored to you, not a single bank or building society
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Access to a wide range of lenders, including those that do not deal directly with the public
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Clear guidance on deposits, affordability and lender criteria
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Support with agreements in principle, full applications and completion
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A calm, experienced team who stay with you every step of the way
We focus on finding first time buyer mortgages that fit your life today and still make sense for your future plans.
How our first time buyer mortgage process works
1. Understanding you and your plans
We start with a relaxed conversation about your situation, your goals and your budget. This includes your income, deposit, credit history and the type of property you are looking to buy. We explain what lenders will look for and how to present your application in the best possible way.
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2. Searching the market for the right lender
We research the market to identify suitable first time buyer mortgages based on your circumstances. Rather than just looking at headline deals, we focus on lender criteria, flexibility and long term suitability so you are set up for success.
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3. Agreement in principle and full application
Where needed, we arrange an agreement in principle to strengthen your offer. When you are ready, we manage the full mortgage application for you, dealing directly with the lender and keeping you informed at every stage.
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4. From offer to completion
We stay involved right through to completion, liaising with your solicitor, estate agent and lender to keep everything moving. Our job is to make sure your mortgage never becomes an added source of stress.
First time buyer mortgage case study
Steve’s story
Steve decided to take his first steps on the property ladder in Autumn 2019. Unfortunately, the journey was far from straightforward. Over the following months, three separate purchases fell through due to issues with the properties themselves, creating uncertainty and frustration at every turn.
Throughout this long and challenging process, we worked closely with Steve and a number of different lenders to make sure his mortgage was never the problem. From the initial application submitted in December 2019 through to final completion on his first home in June 2021, we managed every stage of his first time buyer mortgage journey.
By staying proactive and adaptable, we were able to secure a mortgage that matched Steve’s needs and gave him the confidence to move forward when the right property finally came along. More importantly, we provided consistency, reassurance and clear guidance during what could easily have become an overwhelming experience.
It’s been quite a rollercoaster to finally buy my first home. I’d be lying if I said it wasn’t stressful, but having Darren at Eddge on my side has been incredible. His patience and calm approach has kept me sane. His service is about so much more than just arranging a mortgage and I simply cannot recommend him highly enough.
What can affect your first time buyer mortgage options?
Every first time buyer is different, which is why personalised advice matters. Your options may be influenced by:
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Deposit size and source of funds
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Income structure, including bonuses and self employed income
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Credit history and existing commitments
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Property type and construction
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Future plans such as moving, remortgaging or growing your family
We explain how each of these factors affects your mortgage choices and what you can do to strengthen your position before applying.
Ready to talk about your first time buyer mortgage?
If you are thinking about buying your first home, we would love to help you get started. Whether you are just exploring your options or ready to make an offer, our team is here to provide clear, supportive advice and expert guidance. Get in touch today to discuss your first time buyer mortgage and take your first confident step onto the property ladder.
