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First time buyers might find the mortgage process confusing and even overwhelming at times, with a lot of jargon and legal information to make sense of for the first time. Getting a mortgage is one of the biggest financial decisions you’ll make, so it’s important to understand what you’re letting yourself in for. At Watts Mortgage & Wealth Management Ltd, we have a team of highly qualified specialists who can advise you on the best course of action for your first time buyer mortgage.

At Watts, we have access to a comprehensive range of mortgages across the market, dealing with many different lenders with exclusive packages. We can help you to understand the process of buying a house for the first time, making sure you have access to a mortgage that is affordable, based on your individual circumstances.

Independent advice for first time buyers

If you are a first time buyer looking for a mortgage, it’s usually a good idea to get independent advice based on your unique situation. At Watts we are independent advisers able to research the whole market to help you find the right mortgage, as we’re not tied to one provider. Our team can offer advice and recommendations, as well as answering any questions you might have about choosing a mortgage.

We would often recommend that you save as large a deposit as possible, as it could help you get a better deal at a lower interest rate. It’s also important to keep within your means, making sure you don’t overstretch yourself on mortgage payments. As a first time buyer, it’s really important to understand your budget, as well as the type of mortgage to choose. There are two repayment methods: repayment mortgages and interest-only mortgages. For a first time buyer, a repayment mortgage would be a much more suitable choice.

Below you can download our easy to understand process illustration.

Purchase / first-time buyer mortgage process

At Watts, we can provide independent advice on mortgage products and help you to feel more at ease, ensuring the process is enjoyable and exciting! Speak to one of our independent, FCA regulated, Mortgage Advisers now to start your journey of getting your first mortgage. Call 01270620555 or email us at


Thank you for all you help – everything was made as easy as possible for me.

A Grace.


Calculators to help you plan your mortgage payments and stamp duty rates.

Read what some of our existing clients have to say about our services.

Send us an email with your contact details and we’ll arrange for one of our advisers to call you back.