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First Time Buyer Mortgage Advice in Basingstoke

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7 days a week, 8am - 10pm

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First Time Buyer Mortgage Advice in Basingstoke

Discover your borrowing potential and move closer to securing your dream home as a first time buyer in Basingstoke.

Speak to an Advisor - It's Free!

Fast & friendly mortgage advice in Basingstoke

Mortgages are a huge financial commitment, so starting the process can be daunting for a first time buyer in Basingstoke. We offer expert mortgage advice in Basingstoke to reduce stress and support you throughout the mortgage journey. Our mortgage advisors in Basingstoke have over 20 years of experience in the sector and would love to offer a helping hand.

We offer a free mortgage appointment to every customer that reaches out to us for help. All that you need to do is to book online via the link below or give our fantastic team a call. We look forward to hearing from you!

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First Time Buyer Mortgage Advice in Basingstoke

Book your free mortgage appointment online today

As a mortgage broker in Basingstoke, we often find that first time buyers in this area with a good credit score have access to better rates and can put down a lower deposit, such as 5%. On the other hand, if you are a first time buyer in Basingstoke with a lower credit score, you may only be able to access lower rates and be required to put down a higher deposit, maybe around 10-15%.

You may also want to put down a larger deposit if you wish to reduce your monthly repayments. The less you need to borrow, the less you need to pay back in total. The amount of deposit you put down will also be affected by the value of the property you buy. If you require a bigger mortgage for a more expensive property, you will have to put down more money.

Are there ways to help me get onto the property ladder in Basingstoke?

If you are struggling to save up the minimum deposit required, there are a number of government mortgage schemes that could provide a helping hand. These policies were introduced to assist first time buyers in getting onto the property ladder.

The Help to Buy Shared Ownership Scheme, Mortgage Guarantee Scheme, the First Home Scheme and various others are some of the options available. You must be eligible to use these schemes, and this is where a knowledgeable mortgage broker in Basingstoke can be of assistance.

For advice on first time buyer mortgages in Basingstoke and to find out more about the government mortgage schemes, book a free mortgage appointment and speak to a mortgage advisor in Basingstoke today.

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Popular Mortgage FAQs in Basingstoke

What are the costs involved with first time buyer mortgages in Basingstoke?

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As well as the deposit you saved, the other costs involved are conveyancing and legal costs, property surveys, broker fees, and mortgage arrangement fees.

You may also have a stamp duty to consider, as well as any insurance (to protect your home, contents or financial security) that you can take out.

Your dedicated mortgage broker in Basingstoke will be able to discuss further with you in more detail all the additional costs during your free initial mortgage appointment.

What do I need to buy my first home in Basingstoke?

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In order to be eligible to purchase your first property, you must have saved up enough for a 5% deposit or more before taking out a first time buyer mortgage in Basingstoke. A conveyancing solicitor should be employed to deal with the legal proceedings that come with purchasing a house.

We are a mortgage broker who offers assistance to first time buyers in Basingstoke. Our mortgage advisors in the region can provide you with advice on eligibility and can help you find the most appropriate first time buyer mortgage in Basingstoke.

What type of first time buyer mortgages can I get in Basingstoke?

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A range of different mortgages are available to first time buyers in Basingstoke. The most popular one is the fixed-rate mortgage, which helps to protect you against any potential interest rate rises. The tracker mortgage is another option, which follows the Bank of England’s base rate. If it goes up, so do the interest rates, and if it drops, so do the interest rates. Discounted variable rates are a cheaper option, although they are subject to the lender’s SVR. Finally, the offset mortgage gives you an interest-free, flexible savings account to offset the balance of the mortgage, so the more you save, the less interest you pay.

For more information about the different types of mortgages available to you, book a free appointment with one of our mortgage advisors in Basingstoke today.

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Our Simple 4-Step Process

Book Online

Step 1

No matter your aspirations, it is always best to talk to an experienced mortgage broker in Basingstoke about your current circumstances and possible options.

You can book a free mortgage appointment online and pick a date and time that best suits you.

Free Mortgage Appointment

Step 2

During your free mortgage appointment, your mortgage advisor in Basingstoke will ask you some questions regarding your mortgage objectives and your current personal and financial situation.

This will help them gain an understanding of what sort of mortgage products you may be able to access.

Finding a Suitable Product

Step 3

We can then search through 1000s of mortgage deals in order to find the most appropriate product for you. We have a variety of high street and specialist lenders on panel to look through.

Once we find the perfect mortgage product for you, we will outline the deal and what the costs are going to be for you to take out the mortgage.

Submit Your Application

Step 4

If you are happy with the first time buyer mortgage we have found you, we can begin preparing your mortgage application and get ready to submit it.

Once we send it off to the mortgage lender, all that is left to do is to wait for their response!

8 Reasons to Choose Us For Mortgage Advice in Basingstoke

Our Reviews

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We have some wonderful customer reviews from other first time buyers in Basingstoke who sought our mortgage advice in the area, and they are a perfect illustration of the quality of service we offer. Before you book your free mortgage appointment, take a look to see what our customers have said and to see how we can be of assistance to you as well!

Search 1000s of products

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As an open and honest mortgage broker in Basingstoke, we have access to a number of competitive mortgage products that we can search through on your behalf. We boast an extensive selection of lenders and will be able to identify the ideal mortgage for you and your needs!

Our Service

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For years, our experienced mortgage advisors in Basingstoke has been providing first time buyers with guidance and support. We understand that getting your first mortgage is a daunting process, and so we are here to help you every step of the way.

7 Days a Week

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Our team are available 7 days a week, including bank holidays and weekends. This means that as a first time buyer in Basingstoke, you can book in your own appointment at a convenient time to your busy schedule.

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We search 1000s of mortgage deals in Basingstoke

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Common Mortgage Questions in Basingstoke

How much can you borrow for a mortgage in Basingstoke?

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If you’re looking to determine how much you can afford to borrow, you can calculate this using our affordability calculator. If you want a more accurate measurement, consult with a mortgage broker in Basingstoke like ourselves.

Factors such as your salary and income will affect the amount you can borrow. Once we have conducted a free affordability evaluation, we will be able to offer more tailored advice.

Ready to make an offer on a property in Basingstoke?

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Once you have a property that you are ready to make an offer on, you now need to get started on the mortgage side of things. At this point, you can book yourself in for a free mortgage appointment online with one of our mortgage advisors in Basingstoke. Appointments are subject to availability, but if you’re lucky, you might get one for the same day!

Has your offer already been accepted in Basingstoke?

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When your offer has been accepted, it’s time to start sorting out your mortgage. By enlisting the help of a mortgage broker in Basingstoke, the mortgage application process can be completed more swiftly. A mortgage broker in Basingstoke can provide you with guidance and advice throughout the process and help you find that excellent mortgage product that could end up saving you time and money.

Mortgage Guides & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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