First Time Buyers

Buying your first home is a journey filled with excitement, anticipation, and, let's face it, a bit of anxiety too. At Key Mortgages, we understand that this experience can be both exhilarating and overwhelming. That’s why we’re here to support you every step of the way! Our mission is to empower you as a first-time buyer and make the process as seamless and enjoyable as possible.

Your Personal Support Team #

When you choose Key Mortgages, you’re not just getting a mortgage; you’re gaining a dedicated team committed to helping you navigate the complexities of home buying. From the moment you reach out to us, you’ll be paired with a local mortgage adviser and a dedicated client manager, both of whom will guide you through your unique home buying journey.

Your mortgage adviser is your go-to expert, ready to help you understand how much you can borrow and what your monthly payments might look like. They’ll take the time to sit down with you, whether in person or virtually, to explain the ins and outs of the mortgage process. Together, you’ll explore your financial situation, discuss your goals, and evaluate the best mortgage options available to you.

A Dedicated Client Manager #

Once your mortgage application is underway, your dedicated client manager will step in to ensure everything runs smoothly. They’ll be your point of contact, available to answer questions, provide updates, and assist with any paperwork. Our team is here to take the stress out of the process, so you can focus on finding your dream home! We understand that life can be busy, especially when you’re juggling the responsibilities of work and personal life. That’s why our first-time buyer mortgage service is designed with flexibility in mind. Whether you prefer to communicate via email, phone, Zoom, or Microsoft Teams, we’re here to accommodate your needs. You can also visit us at our local Mapperley office in Nottingham or at our new branch at The Sparkhouse in Lincoln. Our goal is to make the process as convenient and stress-free as possible for you.

How Much Can I Borrow? #

One of the first questions you might have is, “How much can I borrow?” At Key Mortgages, we’ll help you calculate exactly how much you can afford to borrow for your first home. We know that every financial situation is unique, so we’ll take the time to understand your circumstances and ensure you can comfortably manage your mortgage payments. Additionally, we can provide information on various first home schemes that may be available to you, potentially making your dream home more accessible.

What Type of Mortgage Should I Choose #

With so many mortgage options available, it can be challenging to determine which one is right for you. Should you go for a fixed or variable rate? Is a repayment or interest-only mortgage the best choice? Should you apply jointly or as a single applicant? Don’t worry! Our knowledgeable team will explain the different types of mortgages and help you identify the one that best suits your financial situation and long-term goals. We’re here to demystify the process and ensure you feel confident in your decision.

Buying a house involves more than just the mortgage. At Key Mortgages, we’ll walk you through all the costs associated with purchasing your first home, so you won’t be caught off guard by any hidden fees. From stamp duty and legal fees to surveys and moving costs, we’ll help you budget effectively and prepare for each financial aspect of your home buying journey.

What other first time buyers said after we helped them #