First time buyer kitchen and diner. Mortgage advice for First time buyers

First Time Buyer mortgage advisors

We are experts in giving mortgage advice to First Time Buyers. We will help and guide you throughout the entire buying process and support you from application until you move into your new home. Read on to find out more.

Budget for the other costs of buying a home

Apart from your monthly mortgage payments, there are other costs when buying a home which you will need to consider. 

​These include:

  • Survey costs
  • Solicitor’s fee (We recommend Boys & Maughan Solicitors)
  • Removal costs
  • Buildings insurance (We recommend NEST General Insurance)
  • Initial furnishing and decorating costs
  • Mortgage arrangement and valuation fees; and
  • Stamp Duty (Land and buildings Transaction Tax in Scotland, or Land Transaction Tax in Wales) 

Rating: 5 out of 5.

Phil King and Nick have been amazing! As first-time buyers, the process of buying a house seems extremely daunting and confusing. However, Phil has guided us through every step and has always been at the end of the phone to answer any questions we have had about the process. The Team at Prospect Tree have been amazing, would highly recommend!! Thank you Phil!”

Click above to speak to Phil

Make sure you can afford your monthly repayments

There are strict checks when you apply for a mortgage.

Lenders will check you can afford the mortgage and also ‘stress test’ your ability to make your payments if interest rates were to rise or if your circumstances changed, such as a planned retirement date or if you started a family.

As part of the mortgage application process you will need to show the lender evidence of any outgoings you have and prove your income.

Whatever your situation we understand that you need a mortgage which suits your own individual needs and circumstances, and we will give you tailored advice which best suits your financial needs.

Getting an Agreement in Principle

Get an AIP (click above)

Expert Advice


Buying a new build

man and woman using gadgets at home

Joint borrower, Sole Proprietor

person with keys for real estate

Help to buy explained

Home » Mortgages » First Time Buyers

Get in Touch

0800 8620 840

Prospect Tree Mortgages, Acorn Barn, Wembdon Business Park, Smeeth
Ashford, Kent, TN25 6SZ

Opening Hours

9:00 am – 5:00 pm
9:00 am – 5:00 pm
9:00 am – 5:00 pm
9:00 am – 5:00 pm
9:00 am – 5:00 pm
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