First Time Buyers

Buying your first home is an exciting journey, but it can also come with a few nerves. At Key Mortgages, we understand how overwhelming it can feel - that’s why we specialise in providing expert first time buyer mortgage advice. Whether you're just starting to explore your options or ready to make an offer, our team is here to guide you through every step. Our mission is to empower you as a first-time buyer, ensuring the mortgage process is as smooth and enjoyable as finding your dream home.

Your Personal Support Team #

When you choose Key Mortgages, you’re not just securing a mortgage - you’re gaining a dedicated team committed to guiding you through the complexities of buying your first home. We specialise in providing first time buyer mortgage advice that’s clear, personalised, and completely tailored to your needs.

From the moment you reach out, you’ll be paired with a local mortgage adviser and a dedicated client manager. Together, they’ll support you through every step of your unique home buying journey.

Your mortgage adviser is your go-to expert for first time buyer mortgage advice, helping you understand how much you can borrow and what your monthly payments might look like. Whether you meet in person or virtually, they’ll take the time to explain the entire mortgage process in a way that makes sense. You’ll explore your financial situation, clarify your goals, and evaluate the best mortgage options for you as a first-time buyer.

A Dedicated Client Manager #

Once your application is in progress your dedicated client manager will take over and ensure everything runs smoothly. They will be your main point of contact to answer questions, provide updates and help with any paperwork – so you can focus on finding your dream home.

At Key Mortgages we know life can get busy, especially for first time buyers juggling work, family and house hunting. That’s why our first time buyer mortgage advice and support service is designed to be flexible and convenient. Whether you prefer to connect by email, phone, Zoom or Microsoft Teams we will adapt to your schedule and communication style.

For those who prefer face to face conversations you can visit us at our Mapperley office in Nottingham or our new branch at The Sparkhouse in Lincoln. Our local mortgage advisers are always on hand to offer personal guidance and first time buyer mortgage advice tailored to your financial situation and homeownership goals.

Our aim is to deliver a hassle free experience with expert mortgage application support from start to finish – so you can move forward with confidence.

How Much Can I Borrow? #

One of the first questions many first time buyers ask is, “How much can I borrow?” At Key Mortgages we provide first time buyer mortgage advice to help you work out what you can afford when buying your first home.

We know every situation is different which is why we take the time to look at your income, outgoings and goals. Our advisers will work with you to ensure you’re looking at mortgage options that fit your lifestyle and future plans. It’s not just about getting a mortgage – it’s about getting one you can manage now and in the years to come.

As part of our service we’ll also go through any first home schemes you may be eligible for, such as government support or shared ownership options. These can be a great way to make your dream of homeownership a reality.

What Type of Mortgage Should I Choose #

With so many mortgage options available, it can be overwhelming to choose the right one for your first home purchase. Should you go for a fixed or variable rate mortgage? Is a repayment or interest-only mortgage better suited for your situation? Should you apply for a joint mortgage or as a single applicant? Don’t worry! Our expert team at Key Mortgages offers tailored first time buyer mortgage advice to guide you through every decision. We’ll break down the different types of mortgages, helping you identify the best option that aligns with your financial situation and long-term goals.

But buying a house involves more than just securing the right mortgage. At Key Mortgages, we’ll also walk you through all the first-time homebuyer costs, so you won’t be caught off guard by any hidden fees. From stamp duty and legal fees to surveys and moving costs, our team will help you budget effectively and ensure you're fully prepared for every financial aspect of your home buying journey.

What other first time buyers said after we helped them #