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First Time Buyer

Purchasing your first home can be a daunting prospect. Concept Mortgages will be able to take you through the home buying process step by step.

Before you even view a property, we can work together to establish what level of income you can comfortably afford to spend each month. We would calculate a realistic budget by deducting your typical monthly outgoings from your monthly income which would in turn allow us to calculate how much you can afford to spend.

Once we have established how much you are able to purchase for, we can then obtain a provisional agreement from a lender to see whether you are able to borrow the money.

When you have had an offer agreed on a property we will search the market to find you the best mortgage for your circumstances and complete the necessary paperwork on your behalf. We will be on hand throughout the process to offer help and advice as your purchase proceeds right up to the day you move into your first home.

Make your first step towards your new home by either calling

or emailing us via the contact us link and we will be able help guide you towards achieving your goal of home ownership.