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First time buyer

We underatand that taking the first steps to get on to the property ladder is an exciting time but also can be overwhelming

In addition to finding the home of your dreams there is so much more to consider, and this is where our expertise can save you both time and money.


You will have many questions 

    •    How much can I afford to realistically borrow?

    •    How much deposit do I need to save?

    •    What additional costs will be involved?

    •    What type of mortgage is best for me?


Our team of whole of market advisers can help you navigate through the often confusing and time-consuming process of buying your first house. We are also able to move fast as we understand you may need to move swiftly to secure the property of your dreams. 


Your free initial consultation will help us to ascertain your individual needs and circumstances and enable us to give you expert answers to any questions you may have. We want you to have a clear understanding of the mortgage application process and be confident in knowing how much you can spend on your property. 



Before we can start making recommendation on a suitable mortgage, we will need to gather detailed information from you. We do need to understand your financial circumstances to be able to offer you the best possible advice.  Therefore, we will need to gather details of your income, expenditure, information about any loans or credit cards and also any regular outgoing such as season tickets or childcare costs. You can find more information on our be prepared section of the website.


Bespoke individual services for clients are key to what we offer. After reviewing all your details and documents, we will be able to recommend the product that best meets your needs. 


We will explain your options simply and clearly and when you are ready to progress with your mortgage, we will work to make the experience as stress free as possible. Use our jargon buster to get clear on words that may be used throughout your mortgage application. 


Once your application has been made, your mortgage adviser will oversee the process, keeping you fully informed every step of the way. 


It is also important to protect your new home and your mortgage. Again, we can offer you expert advice clearly explain your options and help set up your policy. We can also recommend conveyancing firms who will be able to provide the legal advice you will also need. 


Call Elm Tree Financial Services on 01925 815 555 or email

First time buyer Mortgage Adviser


Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. 

A fee of £299 is payable on application. We will also be paid commission from the lender.

First Time Buyer Mortgage Advisor

Get in touch​

Contact our office to book a consultation or request a free callback at a time that suits you.
First Time Buyer and need an Independent Mortgage Adviser

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