Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
As a mortgage broker in Sidcup, we are dedicated to helping first time buyers get the mortgage they need. Our experienced mortgage advisors in Sidcup will work with you to understand your individual circumstances, and can provide you with tailored advice and help you find the right mortgage product for your needs.
Our online booking system makes it easy to book an appointment with our team. You can select a date and time to speak with a first time buyer mortgage advisor in Sidcup at a time that suits you. We have availability 7 days a week too! Get your first time buyer mortgage process today.
Your credit score is a major factor in the type of mortgage you may be offered. If you have a good credit rating, you may be able to access better rates and a lower deposit – usually around 5%. On the other hand, if your credit rating is lower, you may be offered lower rates but will be asked to pay a higher deposit – usually between 10-15%. The size of your deposit can also depend on the cost of the property.
As your mortgage advisor in Sidcup, we are passionate about supporting you in finding the most appropriate mortgage for your circumstances. We will search through 1000s of first time buyer mortgages in Sidcup in order to find you the most appropriate deal for your personal and financial circumstances.
Are you seeking to purchase your first home in Sidcup but are struggling to save for a mortgage deposit? Did you know that there are a variety of government schemes available for first time buyers in Sidcup to assist you in getting onto the property ladder?
The Shared Ownership Scheme, Lifetime ISA, Mortgage Guarantee and the First Homes Scheme are just a few examples of schemes that could be available for you as a first time buyer in Sidcup. To see the whole list, take a look at OwnYourHome.gov.uk. It is worth exploring the available options to see which ones are suitable for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
We understand that the mortgage process can be complicated and there are many costs associated with buying a property. We will be able to provide you with a breakdown of all the costs you may incur as a first time buyer in Sidcup, as well as how they affect your mortgage process.
The costs associated with buying a property in Sidcup can include conveyancing and solicitor fees, property surveys, broker fees and mortgage arrangement fees. As a first time buyer in Sidcup, it is likely that you will not have to pay stamp duty tax on your purchase.
We will start off by getting an understanding of your current financial situation and your long-term financial goals. We will then use our expertise to find the most suitable mortgage deal on the market for you and your new home. This deal will be tailored to your individual circumstances. If you are happy with the mortgage deal, we can begin to prepare your mortgage application.
Our team of mortgage advisors in Sidcup have a wealth of knowledge and experience in the mortgage market. We understand that the first time taking on the mortgage process can seem overwhelming and complicated, and that’s why we are here to offer a helping hand!
If you are a first time buyer looking to secure a mortgage, contact our team of mortgage advisors in Sidcup today. We will work with you to ensure you get the most suitable deal possible for your future.
Our Customers Love Us
5.00 Rating15 Reviews
Anonymous
Charlie helped guide me through the process and answered all my questions. Would highly recommend London money man to everyone!
7 months ago
Anonymous
Ryan at London Moneyman made moving home with my mortgage easier. Thank you, 5 stars service.
7 months ago
Laura
I was nervous buying my first home but londonmoneyman were fab! Thank you for helping me 🙏
7 months ago
Jaycee
A+ service. communication was brilliant, helped me find a mortgage. Will definitely be back!
7 months ago
Tamra
Great company. Great service. Recommend 100%
7 months ago
Otto
thank you chloe for help with my mortgage iwill be back next time.
7 months ago
Tabby
Excellent service very helpful with my mortgage 😀
7 months ago
Seb
Very useful and efficient service. Thank you london money man!
7 months ago
Josie
Dinah and the team at London money man were super helpful with a remortgage on our family home. They got us through the process quickly and found me a much better deal than we were on. Thank you again, we'll be back in touch for our next...
7 months ago
Jeb
Great service from Kayleigh & Leo! Made it easy and stress free, thank you both for finding me a suitable product. I would not have got through this without their help.
7 months ago
Derek
Helped me and my partner on our remortgage. Molly was friendly and polite on the phoen and helped us throughout the process. Would reccomend 👍
7 months ago
Marina
Leoand Kayleigh were great during my process. He made everything stressfree for me as a first time buyer. Would definitely recommend to others going through the same process as it helped a lot. Thank you..Marina
7 months ago
James
Thank you Londonmoneyman. From my free initial mortgage appointment to completion I was kept in the loop. Jason was great and would definitely recommend.
7 months ago
Ruby
Tom and Louise were so helpful throughout the whole process. As First Time Buyers we were almost scared to start looking for a home but the team at Londonmoneyman put us at ease and now we have a lovely new home. Thanks for everything!
7 months ago
John
Amazing service from start to finish. Charlie, Megan and the application team were very helpful throughout, to help with any queries, and kept me up to date with the process at every stage. Couldn't recommend them enough!
2 years ago
Whether you’re a first time buyer or you’re looking to remortgage, our advisors are here to provide you with the advice and guidance you need. We’ll explain your options to you in a clear and concise way, so you can be sure that you’re making the right decision for you and your family.
If you’re ready to take the first step towards buying your first home, contact our team of mortgage advisors in Sidcup today. We’ll be happy to answer any questions you may have and help you to understand the process.
Our expert advisors have a wealth of experience in helping first time buyers find the perfect mortgage. We take into account your credit score, income, affordability and deposit to find the most suitable deal for you.
We will perform an affordability assessment during your free initial mortgage appointment to work out how much you can borrow for a mortgage and what sort of deals are available to you.
Following your free initial mortgage appointment, we will try to find a suitable mortgage product for your personal and financial situation.
Once we find the perfect deal for you, we will present the details in the form of a mortgage illustration. This will enable you to see all the details of the agreement, such as the interest rate and repayment terms.
If you are happy with the mortgage product that we have identified, we will begin preparing your mortgage application.
From this point, you will be assigned a dedicated case manager who will help you prepare your mortgage application and make sure that it looks the best that it can in front of a mortgage lender.
We’ll then submit your application to the lender and wait for their response. Once we hear back from the lender, we’ll be in touch right away to let you know the good news.
During your free initial mortgage appointment, we will discuss your mortgage needs and answer any questions you may have, aiming to give you the mortgage advice in Sidcup tailored to your personal and financial situation.
We understand how daunting applying for a mortgage can be, especially for first time buyers. That’s why we’re here to guide you through the mortgage journey and make sure you feel confident and reassured every step of the way.
As part of our service, we also provide ongoing advice and support for the duration of your mortgage. So, if you have any questions after your appointment, we’ll always be on hand to help.
As a mortgage broker in Sidcup, we have access to a vast range of lenders. We are well-equipped to help first time buyers in Sidcup like you find the perfect mortgage deal to suit their individual needs.
Our experienced advisors will take the time to get to know your circumstances and explain the different mortgage options available to you. We’ll provide advice on the factors that matter the most, such as interest rates, repayment terms, the amount you can afford to borrow and the deposit you’ll need.
We know how busy life can get, that’s why we offer a range of flexible appointment slots, including evenings and weekends.
Our team of mortgage advisors in Sidcup are ready and waiting to help you get the most suitable first time buyer mortgage. We are available seven days a week to answer any questions and to offer advice on the right mortgage for you!
If you would like to get a quick estimate of how much you can borrow, our free mortgage calculators can give you a rough idea. We have three calculators to help you:
– Borrowing calculator: Figure out how much you can borrow based on your income and expenses.
– Stamp duty calculator: Calculate the stamp duty for your home purchase (unlikely for first time buyers).
– Repayment calculator: Estimate your monthly repayments based on the amount you borrow.
If you want a more accurate figure as to how much you can borrow for a mortgage in Sidcup, please get in touch with our team and we will perform a free affordability assessment during your mortgage consultation.
As a mortgage broker in Sidcup, we want to make sure you get the right mortgage for your needs and that you can afford it. We will review your financial situation and credit score and provide advice on the most suitable mortgage for you.
There are many different types of mortgages available, such as fixed rate, tracker, and discounted mortgages. We can explain the benefits and drawbacks of each type of mortgage, so you can make an informed decision for your first time buyer mortgage journey.
As your mortgage broker in Sidcup, we can get you an Agreement in Principle (AIP) within 24-hours of your free initial mortgage appointment! AIPs usually last between 30 and 90 days. If it expires, our team can easily help you renew it.
An AIP is a document that gives lenders a glimpse of your financial situation and ability to secure a mortgage – an important part of the home buying process. After you have your AIP, our mortgage advisors in Sidcup will work with you to secure the mortgage needed to purchase your dream home. We will complete the necessary forms and paperwork, and help you to find a mortgage that meets your needs and financial situation.
If you are ready to make an offer on a property in Sidcup, it is time to begin your mortgage process! At this stage of the process, it is essential to get mortgage advice in Sidcup and gain help from an expert.
A mortgage broker in Sidcup will aim to find you a mortgage perfectly suited to your new home and your individual circumstances. Unlike banks, we have access to 1000s of first time buyer mortgage products, featuring both high street and specialist products.
If you are a first time buyer in Sidcup and having difficulty getting accepted for a mortgage, a mortgage broker or advisor can be of assistance.
Every bank has their own lending criteria and not everyone is accepted for every mortgage product. As a broker in Sidcup, we have access to both high street and specialist mortgage products. We can help you find the most suitable mortgage rate for your situation, and even assist you if you have a poor credit score.
Read our 15 Reviews
Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2025.
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Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2025.
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