By managing the application process from start to finish, we can alleviate the stress of getting on the property ladder. 

Buying your first home can fill you with excitement and trepidation. We know that with no prior experience, the information can seem overwhelming. Let us help you to fully understand the difference between ‘fixed rate’ and ‘variable rate’ repayment mortgages and many other unfamiliar terms. 

We will guide you through the entire mortgage application process, answering questions and offering advice along the way. 

Securing a mortgage is just one step towards buying a house. Our advisers can talk through the necessary steps and paperwork required to formalise the mortgage and give you a clear picture of the entire house buying process. 

How Much Can I Borrow? 

Try our Mortgage Calculator to see how much you may be able to borrow. 

If the mortgage options are limited, our Cashflow Forecasting **LINK TO NEW PAGE** service can aid the financial management needed to increase your deposit and evidence your ability to repay. 

Further information is offered in our Guide for First-Time Buyers. **LINK TO NEW PAGE** 

Intergenerational Mortgages 

You may be fortunate enough to have parents or grandparents who can offer financial support with your property purchase. If so, we will clearly explain how inter-generational mortgages work. For more information, download our Intergenerational Mortgages Brochure. 

Help to Buy Equity Loans

First-time buyers can benefit from a Government loan, which is interest-free for the first 5 years. Until 2023, it is possible to borrow between 5% and 20% of the value of a new-build property. The housebuilder must be registered with the Help-to-buy scheme and there are caps on the value of the property. The loan will need to be repaid in full, but it can help to get a mortgage and spread the cost. 

Can you Afford to Buy a Home? 

With house prices especially high in the South East, getting that first step onto the property ladder is a challenge. We offer advice on the different options that can make it easier. 

Although you aspire to become a homeowner, it is not a decision to take lightly. It is an expensive and long-term commitment. You need to be confident that you are in a suitably strong financial position and you need to convince a mortgage lender that you can make the repayments. 

The mortgage is not the only expense, so we can talk through other costs such as solicitor’s fees and building surveys. We can also discuss outgoings associated with homeownership including council tax and utility bills. Our approach is to ensure that you have sufficient information to make informed decisions. 

To kickstart the process, please contact David Milbourn on 01442 874888 or via email to david.milbourn@sjpp.co.uk to arrange a confidential appointment. 

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