Office: 01172 909 020 | Mobile: 07375 411 532

First Time Buyer Mortgage Bristol

Buying your first home and applying for a mortgage can be daunting but rest assured, I will walk you through the whole process every step of the way. The concept of mortgage payments, a joint mortgage, how much you could borrow and the final mortgage deal might all seem confusing and complicated but speaking to me, here at The Mortgage Depot, you get first-time buyer advice from a leading Bristol mortgage advisor.

Our job is to help put your mind at ease about first-time buyer mortgages and monthly payments. Getting on the property ladder might seem impossible for first-time buyers but we promise that it does not have to be as daunting as you may think. Using a mortgage broker might be a little worrying when starting the house buying process but choosing the right mortgage adviser to help you take the first step is always a good idea!

Whether you have already found the home of your dreams or you are simply curious about taking that first step onto the property ladder, I can put you in a more informed position at the start of your exciting venture.  Mortgage advisers should be on hand to provide you with all of the information you require and I recommend getting an agreement before looking at properties, this will help you with your purchase price range.

What You Get From Our Bristol Mortgage Appointments

The whole home buying process. What happens and when

The amount of deposit you will need

The pros and cons of the different mortgage options

Which insurance you may need and what the cost might be

How much you can borrow

The other fees you will have to pay

How much your mortgage repayments will be

Find Your First-Time Mortgage In Bristol Today

We will then arrange and submit a Decision in Principle (DIP). This will show estate agents that you can buy a property and that your mortgage application has already been accepted.

As a first-time buyer, you will be in the unique position of not being in a chain and, therefore, able to move quickly.  As well as having the Decision In Principle in place will further increase your credibility with estate agents, placing you in the best possible position when making an offer on your new home.

Once you have agreed on the purchase price, we will proceed with submitting the entire mortgage application, recommend a solicitor if you don’t already have one, and move the purchase towards completion and the big day when you pick up the keys to your new home. If you like more information about choosing a mortgage advisor, look at our new blog.

Advisor Gloucester

Do You Know About Stamp Duty For First-Time Buyers?

Stamp duty is also known as land tax, which has to be paid on either a residential property or any land that may turn into a property. It is part of a building’s transaction tax to determine how much stamp duty is paid after a valuation is carried out. The fee you will have to pay towards stamp duty will depend on the property’s value as land registry fees can differ across the UK, especially in England, Scotland and Wales, rather than regionally.

Land transaction tax might seem complicated but our team are here to give you access to the most up to date information possible. During the pandemic, the stamp duty fees were given a holiday. However, this tax relief has since been terminated so you need to make sure you are prepared to pay the stamp duty on your property.

Do You Know The Steps Of Buying Your First Property?

This is our quick-fire guide to owning your first property;

  • Book an appointment with our team here and our mortgage and protection advisers will be on hand to help you.
  • Find out how much you can afford, the repayment mortgage fee and the monthly repayments.
  • Do not forget your agreement in principle.
  • If you agree, estate agents are more likely to take you to view properties and know you are serious when looking for a first-time buyer mortgage.
  • If you find your dream home, make an offer but make sure the monthly payment is affordable to you.
  • Let us know if your mortgage is accepted!
Moving Home Newport

Do You Have Your Deposit Saved?

Saving up the deposit for your first home might seem like an endless task. Still, we promise you can do it and if you are not sure how much you need to save for a deposit, the best option is to either speak to one of our team here in Bristol or take a look at the current property market and you will be able to see the amount of money needed to start the property buying process. Remember, do not forget the stamp duty, land tax and estate agent fees.

The greater the deposit you have, the better mortgage deals any mortgage lender will offer you.  With our free initial consultation, we can look at the amount of money you have saved and see what the home buying process looks like for you off the back of it.

Your circumstances matter when it comes to getting on the housing market and it is much easier to save for a mortgage offer with two people applying rather than one. Do not be put off by the daunting prospect of doing it independently though, as many others do. The good news is that since April 2021, first-time buyers have been able to buy a property with as little as 5% deposits.

With a range of initiatives available today, all you need to do is contact the team here at The Mortgage Depot to find out more information. We are not your average mortgage brokers, we are mortgage advisers on hand to help you get your loan secured and your dream home purchased. Let us help you determine how much deposit you need.

Contact The Mortgage Depot In Bristol Today

Buying your first home is, without a doubt, an overwhelming experience. However, using The Mortgage Depot for all your mortgage advice will help you become first-time buyers more quickly than you imagined possible. Our team will guide you every step of the way when you search for your first mortgage in Bristol. We can discuss credit references with you, equity loan options, lender’s criteria and much more.

To find out more, please reach out to our team today. We are always more than happy to help you find the best mortgage on your first home. If you would like our help, all you need to do is call us today. Based in Bristol, we offer highly competitive rates and are primarily targeted at helping first-time buyers get their foot on the property ladder!

Give us a call today if we can help you find and buy your dream home, what are you waiting for?

Our team can also help you if you are moving home, remortgaging your home or looking to join the buy-to-let market. 

Crooped image of young family sat on the living room floor of their new mortgaged home.
Door mat displaying the words 'home sweet home'.

Help to buy

If you are considering using the government’s Help to Buy scheme to aid your purchase, I can help you with that too.  I have helped many first-time buyers understand the application process and meet the specialist criteria lenders look for.

You can find out more about Help to Buy by clicking the button below

Help to buy logo.

Please be aware that by clicking on the above link you are leaving The Mortgage Depot website.  Please note that The Mortgage Depot nor HL Partnership Ltd are responsible for the accuracy of the information contained within the linked site accessible from this page.

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"I will always contact you on the same day of your enquiry"

Mortgage Advisor Bristol | Independent Advisors - The Mortgage Depot

Office: 01172 909 020 | Mobile: 07375 411 532

Mortgage Adviser Bristol

The Mortgage Depot is here to help with all of your mortgage advice needs. If you find yourself searching for a mortgage adviser in Bristol you are in the right place.
Book your Free consultation

Mortgages in Bristol and the South West

As an independent mortgage broker, The Mortgage Depot is not restricted to a limited number of lenders and can therefore find the best mortgages in Bristol by searching the whole market, including broker-only deals. Finding mortgage brokers and independent mortgage advisers can be complicated, but here at The Mortgage Depot I can offer you expert mortgage advice. As a professional mortgage adviser, I will help you get on the property ladder.

I will provide expert advice for all your residential and buy-to-let requirements, including first-time buyers, moving house, remortgaging, capital raising, debt consolidation, insurance, buy-to-let and second charge mortgages. 

Independent Mortgage Broker & Mortgage Advice Bristol

Based in Bristol, The Mortgage Depot provides online or face to face home appointments to its clients in the South West region, including Bath, Weston-Super-Mare, Taunton, Newport and all of the surrounding areas. The mortgage industry can be difficult to navigate, but I will take the stress and worry away from you and research the mortgage marketplace for the right mortgage deals for you. After our free initial mortgage consultation, I can start the mortgage process of researching the most appropriate mortgage product for your new home.  

If you are already a homeowner, I can research the best products available that will suit your current needs and requirements in order to update your current deal.

If you require free property finance mortgage advice, we can discuss your needs and circumstances, and all the options available to you.

As a small business, I will always ensure to provide a bespoke service to my clients, building a relationship that will last for years to come.

Young family sat on the living room floor of their new mortgaged home.

Mortgage Brokers Bristol

 

If your circumstances are a little out of the ordinary, why not give me a call to discuss your requirements further. I will always work hard on your behalf to find you the best mortgages in Bristol. Having a mortgage adviser on-hand working on your behalf, will provide you with sound professional mortgage advice very step of the way.   Working alongside a mortgage broker will mean finding you, my client, the best available interest rates and more. The mortgage market is complicated, so whether you are looking for property finance for a new home or an existing mortgage, I can help you.

Getting a mortgage is the biggest and most important financial decision of your life. Like most people, you will probably be paying off your mortgage loan for a number of years. Therefore, it is crucial to obtain the right mortgage deal for your circumstances, as well as understand the key aspects of your mortgage and all the costs involved. My tailored advice will be specific to you and your Bristol mortgage needs, so why not let me offer you a bespoke first-class  service. Get in touch with me today for an appointment. 

The Mortgage Depot is always on hand to provide you with the help you need.  We are proud to offer mortgage advice in Bristol, NewportGloucesterBath, Weston-Super-Mare, and Bridgwater.

Our Services

First Time Buyers

Moving House

Re-mortgage

Buy-to-Let

Protection and Insurance

What to expect from your initial free meeting 

During the free no-obligation initial appointment, at a time and place that suits you, we will discuss:

 

The whole home buying process; what happens and when

How much you can borrow

The amount of deposit you will need

The pros and cons of the different mortgage options

How much your mortgage repayments will be

Which insurances you may need and the cost

Other costs involved in the house buying process

 

Evening and weekend appointments available

What people think 

Jade ArihoJade Ariho
20:15 23 Jun 22
Jon is an exceptional mortgage adviser and goes above and beyond to find the best product available. Very clear communicator and responds to all questions promptly. Made the process very easy. Highly recommended.
patricia vincentpatricia vincent
08:24 26 May 22
I have known Jon for over 5 years when he first assisted me to secure my first home, and I didn’t hesitate to go back to him again due to his professionalism and his ability to always get things done when he says so within timeframe. Excellent service all round.
Tom CrooksTom Crooks
12:37 10 Apr 22
Jon has been fantastic with helping my partner and I buy our first home. As first time buyers we were not the most clued in with how the process of buying a house works. Jon was able to help us every step of the way, answering any questions we had and was able to explain everything to us. He found the best mortgage rate for us and was very quick at submitting our mortgage application. However he didn’t stop there and was able to advise us on the next steps with the solicitors and estate agents, etc.Would definitely use again!
zoeemma126zoeemma126
12:19 10 Apr 22
Jon was so helpful throughout the process of buying our first home. He helped us find the best deals and really helped us understand the process clearly. Any queries were answered very quickly over both phone and email. I couldn’t recommend him more and we will definitely use him again.
Andy HenckenAndy Hencken
10:08 04 Apr 22
The advice and support that we received from Jon was first class and has made the whole process very straightforward and hassle free. He took the time to understand what we wanted to achieve and found products that suited us perfectly. I would happily recommend him to anyone looking for advice on getting a mortgage or re-mortgaging - a first class service.
Miss CoatesMiss Coates
14:59 25 Mar 22
Jon was fantastic at helping us navigate not only remortgaging, but also life insurance as well. He helped us get a much better deal on our mortgage than our current provider was offering and really took the time to explain all our options to us, both via email and over the phone. Fabulous service and I highly recommend, especially if you aren’t too confident about the whole remortgaging process!
Leanne WestwoodLeanne Westwood
11:03 21 Mar 22
Extremely efficient service, making the whole process quick and easy. Everything was explained in detail and made easy to understand. Couldn't be happier.
Jon was extremely helpful, friendly and professional. We were happy with the service from start to finish. Everything was explained clearly and the process was sorted quickly and efficiently. A big weight off our minds!
Sheree BurnettSheree Burnett
11:16 28 Feb 22
Jon has been a god-send; a very pleasant person to work with who keeps things clear, concise and professional. He has been on hand to answer any queries I have had along the process, managed my expectations very well and (despite me not having the simplest of circumstances) has been able to find me a very suitable mortgage product. Very pleased with the service I have received and would highly recommend him to others.
Will CatheryWill Cathery
12:30 03 Feb 22
As first time buyers, Jon has been excellent guiding us throughout the whole house purchase process and finding us the best mortgage and insurance deals. He goes above and beyond and is always quick to respond to any questions we’ve had. Would highly recommend.
Lawrence WrightLawrence Wright
16:30 11 Jan 22
The service Jon provided was absolutely superb. Not only did he manage to find the best options for me but his responses were quick and was more than happy to help with any queries. 5* service
Will PleethWill Pleeth
11:25 01 Jan 22
Jon has been our mortgage advisor for a number of years, sorted our first mortgage and a number of subsequent remortgages. He has always been extremely professional, attentive and proactive in chasing both the mortgage company and me! Great deals found each time and really helpful providing advice on all things mortgage. Highly recommended and we will be continuing to use for any future mortgage needs.
Lesley JohnstonLesley Johnston
18:45 30 Dec 21
Jon was excellent, he took the time to listen to my needs and found me an excellent deal. Responding to phone calls/emails with any queries very quickly and was always extremely pleasant and helpful. I would definitely recommend his services.
Isabelle DerbyshireIsabelle Derbyshire
11:49 04 Aug 21
Jon has been absolutely great to deal with. We were a little nervous as we are first time buyers but he explained everything so clearly, made good recommendations and was very quick to respond to any queries. We would definitely consider Jon for any future purchases.
Andy CarswellAndy Carswell
17:06 06 Jul 21
Jon was fantastic. He was very responsive every step of the way. We had loads of back and forth with our house move and he was always professional and flexible. I’d definitely recommend his service.
Jodi-Ann GillespieJodi-Ann Gillespie
15:47 24 Jun 21
Jon Ley handled my case professional efficiency. His service is quick to respond to any query and spent time to clarify any complex issues with purchasing property. I have used his services twice and each time my case was dealt with superbly. I would definitely recommend as a mortgage advisor with no hassle and straightforward business manner.
Philip MoorePhilip Moore
18:25 02 Jun 21
Fantastic service end to end. Always on hand to answer any queries. Very happy with the mortgage we took. Can’t thank Jon enough for all the advice. Will be coming back in 2 years when our rate changes.
Jason PritchardJason Pritchard
20:00 06 Apr 21
Jon has been an excellent mortgage advisor for our recent remortgage, found us a great deal ,, communication was quick and we were kept up to date throughout the process.Jason & VanessaNewport
sam jamessam james
21:05 17 Feb 21
Jon was excellent to work with. He made the whole process very easy and straight forward. He looked for a mortgage that best suited our situation. I would highly recommend him to anybody looking for a mortgage.
Matt SpurrMatt Spurr
15:31 17 Dec 20
We have dealt with Jon a couple of times over the last few years. On our first consultation he drove to our house late in the evening as this was the only time we could meet. This epitomises Jon - he will do everything he can to make getting a mortgage as stress free as possible.He knows the industry inside out and you can be sure he will find you the best possible deal for you.
Jon WestwoodJon Westwood
17:09 20 Nov 20
Jon has been an excellent mortgage broker who helped myself and my partner in securing a good mortgage. Jon was happy to meet on the weekend to go through the whole process with us which was a big help. The process was quick and we were kept up to date on every stage of our application. Definitely recommend him for a stress-free mortgage application.
Marc FoxMarc Fox
12:26 13 Nov 20
Jon was very helpful and was always on hand to answer any questions I had. He helped me get a new mortgage on a great rate when I moved house, as well as a simultaneous BTL remortgage. Jon’s knowledge and support during the whole process made it a very smooth process, always keeping me updated throughout. Thanks for your help! Highly recommended 😊
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Jon has been an excellent mortgage broker who helped myself and my partner in securing a good mortgage. Jon was happy to meet on the weekend to go through the whole process with us which was a big help. The process was quick and we were kept up to date on every stage of our application. Definitely recommend him for a stress-free mortgage application.
Jon W

Bristol

Jon was very helpful and was always on hand to answer any questions I had. He helped me get a new mortgage on a great rate when I moved house, as well as a simultaneous BTL remortgage. Jon’s knowledge and support during the whole process made it a very smooth process, always keeping me updated throughout. Thanks for your help! Highly recommended 😊
Marc F

Bristol

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“I will always contact you on the same day of your enquiry”

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