SERVICES

First-Time Buyer Mortgage Advisor in Essex

Clear, personal advice to help you buy your first home with confidence.

Personal Mortgage Advice That Works for You

With over 25 years of experience, I offer one-to-one mortgage and protection advice built around real life, not just rates. Whether you’re buying your first home, remortgaging, moving house or exploring buy to let, I’ll guide you through the process clearly and calmly.

As a whole of market mortgage advisor and broker, I’m not tied to any lender. That means you’ll get advice that’s honest, independent and matched to your goals.

Whole of Market Mortgage Advice Built Around You

As a mortgage advisor and broker, I’m not limited to one bank or lender. I search the full UK mortgage market to find the option that suits you, not just what’s easiest to offer.

From the moment you reach out to the day you receive your mortgage offer, I’ll be here to guide you. That includes comparing lenders, preparing documents and answering any questions along the way.

What You Can Expect When We Work Together

Personal advice, tailored to your need

Clear explanations, no jargon or pressur

Full help with your mortgage application

Flexible phone or video appointments

Guidance on protection cover, if you want it

First-Time Buyer Mortgage Support in Essex

I’ve helped people across Chelmsford, Brentwood, Colchester, Southend and throughout Essex with all kinds of situations, including:

5 percent or gifted deposits
Self-employed income or short work history
Shared ownership and First Homes schemes
Low credit scores or past financial difficulties
New builds or unusual properties

Whatever your circumstances look like, we’ll find a way forward.

What Is a First-Time Buyer Mortgage?

A first-time buyer mortgage is designed for those purchasing their first property. These products often allow for smaller deposits or include added support to help you get on the ladder.

I’ll help you understand how much you can borrow, what lenders are likely to offer you, and how to get your application ready.

Frequently Asked Questions

How much deposit do I need as a first-time buyer?

Most lenders ask for at least 5 percent. I can also help if you’re using a gifted deposit from family.

Can I get a mortgage if I’m self-employed?

Yes, you can. Some lenders are comfortable with one year of accounts, depending on your setup.

Is it better to use a mortgage advisor or go to my bank?

Banks only offer their own products. As a mortgage advisor and broker, I compare deals from a wide range of lenders to find what’s best for you.

What if I’ve had credit problems in the past?

A few missed payments or credit issues don’t always rule out a mortgage. I’ll look at your situation and help you understand what’s possible.

Let’s Talk About Your Mortgage Options

You don’t need to figure it all out on your own. If you’re thinking about buying your first home, book a quick chat to explore your options.

You can use the online appointment tool or call me directly on 01708 535 946.

01708 535 946