First Time Buyers

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First Time Buyers

You want the Perfect Mortgage and we make finding mortgages easy.
Clear, simple, friendly advice and expert guidance!
Get mortgage ready now!

"Initial consultations are fee free and could be invaluable"

  • Someone once told me when I was training that “No one cares how much you know, unless they know how much you care.” That sums up Heritage for me. They have a wealth of experience and expertise, but the most important thing is that they genuinely care about you and your family. They always go that extra mile and treat you like they would want to be treated themselves. Mrs K – Solicitor
  • If you want to be sure you're getting the right advice, and need your mortgage arranged quickly and efficiently by experts, then I couldn't recommend Heritage highly enough.  The explanations are simple and they take all the hassle out of the process. On many occasions I've had reason to be extremely thankful for their advice.   Dr S – General Practitioner
  • What I love most about Heritage is their approach to protecting your mortgage and family. They talk everything through with you, make sure you understand and then present you with the best options. They never put pressure on you to do anything. Once you have their recommendations, it makes your decisions straightforward. You are treated as an old friend by a team with your best interests at heart. Mrs S - Teacher
   

Getting mortgage ready

What is the best mortgage for a First Time Buyer?

We all want to find the Perfect Mortgage, but if you’re a First Time Buyer how do you do that? Maybe you’re confused by all the mortgage choices or intimidated by the jargon? What is the best mortgage for a First Time Buyer?

Buying a home is one of the biggest financial commitments we are likely to face in our lifetime. With such a wide choice of products available, it is important to seek expert mortgage advice to find the Perfect Mortgage for you.

Although buying your first home is exciting, and a huge decision, that doesn’t mean it has to be difficult. Just speak to us and we’ll help you through every step. By working together, we can help your big move run smoothly.

Our step-by-step guide should help you get mortgage ready, or you can download our comprehensive mortgage advice guide. At any stage you can just contact us for a chat, or to arrange an appointment with our friendly mortgage advisers. After all we make finding mortgages easy!

Our step-by-step guide:

Use our affordability and mortgage cost calculators to give you an idea of what you can realistically afford. Talk to one of our advisers today for a definitive answer

You’ll need to start saving or already have a deposit. There are various different types of products available, each with different deposit options. Talk to us to find out more.

You’ll need to gather evidence for the lenders such as bank statements, ID, payslips etc. But we can help you have all that ready from the start of the process.

This is the fun bit!! Once you find one, put in an offer, cross your fingers and hope its accepted.

Let us know your offer has been accepted and we can go ahead and apply for your mortgage.

Or we can help you through the conveyancing with one of our local partners. Your solicitor will carry out the necessary checks and searches on the property prior to putting the contract in place.

The contract for sale is the agreement between you and the seller. It sets out all the agreed details such as price and planned completion date. A few days before completion, your solicitor will request the loan funds from our agreed lender.

Before you draw down your mortgage, you should have adequate life & critical illness cover, income protection and home insurance in place. Nobody wants to think about the bad things in life but we want to make sure all are clients are properly protected. We’ll also help advise and arrange cover specific to your needs.

Don’t be lifting too many heavy boxes as we want your first few days in your new home to be happy ones…. There may even be a little something from us to welcome you home.

Your home may be repossessed if you do not keep up repayments on your mortgage

Click here to download our Mortgage Advice Guide!

Mortgage Affordability Calculator

Mortgage Cost Calculator

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Heritage Financial Planning is a trade name of Milecross Financial Solutions Limited which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Milecross Financial Solutions Limited, 42 Milecross Road, Newtownards, Down, Northern Ireland, BT23 4SR, Company No. Ni601587. Financial Advice & Mortgages throughout Northern Ireland including Newry, Armagh, Banbridge, Portadown, Lisburn, Belfast, Bangor, Dungannon, Craigavon, Lurgan, Cookstown, Omagh and Ulster.