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Step-by-step mortgage advice, zero jargon, and real support – so you can buy your first home with confidence.
START YOUR MORTGAGE
Secure your dream home with expert mortgage advice tailored for first-time buyers. We simplify the process, answer your questions, and guide you every step of the way.
🏠 Step-by-Step Guide for First-Time Buyers
1. Understand Your Budget
We help you work out how much you can afford, factoring in deposit, monthly repayments, and other costs like stamp duty and solicitor fees.
2. Get a Mortgage in Principle
Before you start house hunting, we’ll arrange a Mortgage in Principle so you know where you stand — and sellers take you seriously.
3. House Hunting with Confidence
Once you know your budget, it’s time to start viewing properties. We’re here to answer any mortgage questions along the way.
4. Choose the Right Mortgage
We search the whole of the market to find the best deal for your situation — whether it's a fixed-rate, tracker, or government scheme like Help to Buy.
5. Make an Offer
When you find the right home, we’ll guide you through making an offer and what happens next.
6. Full Mortgage Application
Once your offer is accepted, we handle the full application and liaise with lenders, solicitors, and estate agents to keep everything on track.
7. Mortgage Offer & Valuation
We support you through the lender’s valuation process and ensure your mortgage offer comes through smoothly.
8. Exchange & Completion
When it’s time to exchange contracts and complete the purchase, we make sure everything runs like clockwork so you can collect the keys.
How much deposit do I need as a first-time buyer?
Most lenders require at least 5% of the property value. A bigger deposit can mean better rates.
Can I get a mortgage with bad credit or low income?
Yes, there are specialist lenders for these situations. We’ll help you explore your options.
Are there government schemes available for first-time buyers?Yes – including Shared Ownership, Lifetime ISA bonuses, and First Homes schemes. We'll advise what fits you best.
Do I need a mortgage broker?While it’s possible to go it alone, a broker saves you time, stress, and often money by finding you the best deal and guiding you through the process.
How long does the mortgage process take?
It typically takes 4–8 weeks from application to offer, and another 4–6 weeks to complete.
“As a nervous first-time buyer, Azembel made everything simple and stress-free. Maxwell walked me through every step. Couldn’t have done it without them.”
“I thought getting a mortgage would be overwhelming. Azembel helped me understand my budget, found me a great deal, and gave me peace of mind.”
“Fast, friendly, and knowledgeable. The team at Azembel went above and beyond to help me buy my first home. Highly recommend!”
Get personal mortgage advice with zero pressure.
We'll answer your questions, assess your borrowing power, and help you plan your first home purchase with confidence.👉
[Book Your Free Consultation Now]
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