FIRST-TIME BUYER MORTGAGES
Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming. At Watts Mortgage and Wealth Management Ltd, we specialise in helping first-time buyers to secure the right mortgage for their individual circumstances.
As an independent and whole-of-market mortgage broker, we offer impartial advice and access to thousands of mortgage products from a wide range of UK lenders, many of which aren’t available on the high street.
A first-time buyer mortgage is designed specifically for people purchasing their first home. These mortgages can come with favourable terms such as lower deposit requirements, government schemes and flexible repayment options. Our expert mortgage advisers will guide you through every step of the journey, from getting a decision in principle to securing your mortgage offer.
- Local and national expertise: Based in Nantwich, Cheshire, with a friendly and knowledgeable team, we’ve won numerous national mortgage advisor awards and have been in business for over 35 years.
- Unbiased advice: Truly independent and whole-of-market mortgage recommendations.
- Exclusive deals: Access to first-time buyer mortgage offers you won’t find elsewhere.
- Practical guidance: Help with budgeting, credit checks, and affordability assessments.
- End-to-end support: We’re with you from application right through to completion.
- Check your credit score early
Use a credit reference agency to review your credit report. Fix any errors and work on improving your score before applying. - Set a realistic budget
Factor in all potential costs—monthly repayments, utilities, insurance, and legal fees. We’ll help you build a complete financial picture. - Get a mortgage agreement in principle
This gives you a better idea of what you can afford and shows sellers you’re a serious buyer. - Use a whole-of-market mortgage broker
As independent brokers, we compare a wide range of lenders to find the best deal for your needs—not just from one bank or provider. - Understand Government schemes
First-time buyers may be eligible for support schemes like, Shared Ownership, or Lifetime ISAs. We’ll walk you through all available options.
To find out more about how to get started with a first-time buyer mortgage, talk to one of our independent advisers today by calling 01270 620555 or filling in the enquiry form. We’d be delighted to assist you.
MAKE AN ENQUIRY
If you’re looking for mortgage advice, contact Watts IFA today. Our expert team can help you secure the best mortgage based on your contracting status and financial situation.
Travis Alcott
Senior Mortgage Adviser
“I have had the privilege of assisting a significant number of first time buyers in obtaining mortgage solutions tailored to their specific financial needs and long term objectives. The team at Watts would be delighted to offer professional guidance and comprehensive support to all first time buyers throughout each stage of the mortgage process.”
With our extensive experience and access to a vast lender network, Watts Mortgage & Wealth Management Ltd is the ideal partner for those seeking a tailored mortgage solution. Contact us today, and let our dedicated advisers guide you through the process.
AWARDS AND ACHIEVEMENTS
First-time buyer mortgage FAQs
Most lenders require at least a 5% deposit of the property’s purchase price. However, the more you can save (e.g. 10% or 15%), the better your mortgage rate is likely to be. We can help you understand how much you’ll need and how to save effectively.
Yes, there are lenders who cater to buyers with less-than-perfect credit. As a whole-of-market broker, we can find suitable options for you, even if your credit history isn’t perfect.
This depends on your income, expenses, and financial commitments. Our advisers use up-to-date affordability calculators and lender criteria to give you a realistic borrowing estimate.
In addition to your deposit, you may need to budget for solicitor’s fees, mortgage arrangement fees, surveys, and potential stamp duty (though many first-time buyers are exempt). We’ll explain all costs clearly, so there are no surprises.
FIND THE BEST MORTGAGE DEAL FOR YOU
Let us help you find the right mortgage for your home or buy to let.
- Completely free search
- Won’t affect your credit score
- Independent, UK-based advice
- Award-winning mortgage broker
Our mortgage advice
If we can help with your mortgage needs, find out more here.
INDEPENDENT MORTGAGE ADVICE AND PROTECTION FOR YOU
Welcome to Watts!
Our friendly, knowledgeable and experienced team are here to help find the right mortgage and life insurance for you. We have helped thousands of clients, over 30 years buy their dream home and ensure their family is protected.
We are a family business and pride ourselves on our customer service. As an independent company, we can search from over 100 lenders and insurance companies to help you get the best deal.
Get a quick quote above or contact us today.
We search over 100 lenders to find the right mortgage for you
I just wanted to say a massive thank you for your assistance in my purchase. I would like to place on record my appreciation of the professionalism and tenacity of Emma. She has kept me fully updated in terms of progress and answered all of my questions in a timely manner. Great service and hope we can do business again in the future.
A. Henshall
