Buying your first property is an exciting prospect, yet it can be overwhelming knowing where to start.

We appreciate that getting onto the property ladder can be a daunting prospect and we take pride in helping first-time buyers to get on the property ladder.

Our job is to help you understand the process and to secure the most cost-effective mortgage for your situation.

We will guide you through the house buying process and explain property finance to you without using jargon and will be with you from initial enquiry until the day you own your first home!

Purchasing a property is one of the biggest steps you can make in your life and for most of us buying a property will be the most expensive purchase of our lives. As this is your first-ever property purchase it is important to us that you understand every aspect of the property buying process before you make your decision to proceed.

There is a lot to consider when buying a property including; the mortgage terminology, how much you can borrow, what it will cost to repay, the setup fees including stamp duty, survey fees, the types of survey and getting the right mortgage protection insurance. These considerations and more are fully explained in our conversations with you from the outset.

Often the best lenders for first-time buyers are one of the high street banks or building societies.

There are several first time buyer only schemes available that help with enhanced affordability. There are also innovative mortgages like Delayed Start which allow you to postpone your first payment for 3 months, allowing first time buyers to manage overlapping tenancies and unexpected moving costs.

It is important to look at the rate, fees and the lender’s criteria when choosing the best mortgage lender.

Your mortgage broker should be able to offer guidance throughout.

They should be able to answer your questions about how much you can borrow and how much it will cost you each month.

They should also be able to explain the difference between a tracker mortgage and a fixed term mortgage.

How much support will they offer throughout the process?

What sort of fees they charge and when are they payable?

Will they revisit the rate if it decreases?

How will they help if the property falls through and you need to move the mortgage to a new lender?

What happens when it comes time to remortgage?

Our friendly mortgage adviser will work tirelessly on your behalf to ensure that we secure the most cost-effective finance for your situation to enable you to purchase your first property.

We work with a panel lenders and hundreds of mortgage products. Kingsbrook Finance will ensure that you get the most suitable mortgage deal for your situation.

We will handle the whole process from application right through to completion (the day you get your keys!).

We may be able to secure benefits for you including cashback & a free property valuation.

We can recommend solicitors, surveyors, and other professionals that we trust and that will help you with your first home purchase.

We are flexible and can speak with you in the evening and on weekends if appointments are difficult during the working week.

We will adapt how we work to suit your needs and your busy lifestyle.

Absolutely - we believe so!

Working with a mortgage adviser is often much easier:

• No more long calls to the bank – skip the wait times and sales scripts. We handle the process for you.

• Access to more options – we work with a wide range of lenders, giving you access to hundreds of mortgage products, not just what one bank offers.

• We do the heavy lifting – while you focus on your daily life, we manage your application from start to finish.

• We aim to save you time and money – by finding the right deal for your circumstances.

• We’re on your side – if a lender drops their rate during the process, we’ll go back and renegotiate on your behalf.