First Time Buyer2023-11-01T16:30:54+00:00

First Time Buyers

We help First Time Buyers take their first steps on the property ladder.

Buying your first home is an extremely exciting time, but it can also be incredibly daunting. Your expert mortgage adviser will guide you through the entire mortgage application process, from establishing how much you can borrow to that final moment when you collect the keys to your wonderful new home.

You will be allocated your own expert mortgage adviser who will liaise with the estate agent, solicitor, surveyor and mortgage lenders, so you don’t have to.

  • Speak to your Expert Mortgage Adviser

Your mortgage adviser will establish how much you can afford by taking into consideration the monthly payments as well as your living expenses such as council tax, utilities etc.

  • Agreement in principle

Your mortgage requirements will be agreed in principle with a lender, allowing you to comfortably start looking for the perfect home, knowing your mortgage arrangements are in place.

  • House hunting

Purchasing a property is likely to the be the most expensive purchase you will ever make, so it is definitely worth being patient. Once you have found a suitable property, your mortgage adviser will assist you when negotiating with the estate agents to ensure you are never paying more than you need to. They can also help when it comes to choosing a Solicitor to complete the legal process on your behalf.

  • Mortgage offer

Now that you have found the perfect home, we can proceed with your full mortgage application. The lender will assess all your documents such as payslips, bank statements etc and assess the property to ensure it meets their lending criteria. Subject to full approval you will receive a formal mortgage offer which is 100% acceptance.

  • Completion

At this point your Solicitor will finalise the legal process and you will become the legal owner of the property and given instructions to collect keys to your wonderful new home.

Your dedicated mortgage adviser will guide you through each of these steps, ensuring you fully understand the process and answer any questions you may have along the way.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Things to consider


There are a few incentives that are specifically aimed at first time buyers. Our friendly team of Mortgage Advisors can talk you through any that may be available to you.


With a variety of mortgages available to us, you might not need a big deposit to get your dream home. Get in touch with us today to find out more!

Contact Us.

    More information about...

    Contact us today on
    0141 370 0480

    638 Alexandra Parade,
    G31 3BU,

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