First-Time Buyer Mortgage Rates – Expert Advice
First-Time Buyer Mortgages Covering Manchester & Liverpool
First-Time Buyer Mortgage
You’ve saved hard for your deposit. Maybe you’ve even seen the home you want to buy. Or perhaps you need to know the maximum property value to type into Rightmove to start your new home search.
We’ve helped hundreds of first-time buyers in Altrincham, Manchester & Liverpool do all this and more. From offering honest advice about the mortgage amount you can realistically get through to moving into your dream home. Our team will hold your hand as much or as little as you want.
Getting a Mortgage in Principle
The path to your first home starts with an in-depth conversation so we understand your circumstances. Then, we can offer a wide range of products from across the market to secure a mortgage in principle with a suitable lender and mortgage deal. This allows you to view properties and make an offer on that terraced house or city centre flat you’ve got your eye on.
From our first chat to the day you move in, we take care of everything for you. We deal with paperwork, solicitors, mortgage lenders, and estate agents on your behalf. We handle the stress usually associated with purchasing a property and turn it into an enjoyable and exciting home-buying experience.
Why Choose Us?
- Expert advice on mortgage rates for first-time buyers.
- Peace of mind that every detail is taken care of.
- Dedicated support from your first chat to moving in.
- Serving Manchester, Liverpool, Altrincham, and surrounding areas.
Ready to Start Your First-Time Buyer Journey?
Don’t wait to take the first step toward owning your dream home. At Bell Financial Solutions, we make the process simple, transparent, and stress-free for first-time buyers across Manchester, Liverpool, and beyond.
Still have questions?
How much can I borrow?
A typical first-time buyer can borrow between 4-4.5x their salary, though some lenders may offer up to 6x. Speak with our expert brokers to find out your exact borrowing potential.
What credit score do I need to get a first-time buyer mortgage?
Most lenders prefer a good credit score, but options may still be available even if your credit is less than perfect. Speak to a broker to explore deals tailored to your financial profile.
How much deposit do I need as a first-time buyer?
As the term ''first-time buyer'' suggests, a first-time buyer mortgage is for someone that is getting on the property ladder for the first time. Buying your first property can be an extremely overwhelming and stressful experience but one that can be simplified when you work with qualified and reputable mortgage brokers.
What are fixed-rate mortgages?
Fixed-rate mortgages offer the security of fixed monthly payments over 2-5 years, making them a popular choice for first-time buyers.
Can I get a mortgage if I’m self-employed?
Yes, self-employed buyers can get mortgages, but you’ll typically need to provide at least 1-2 years of accounts or tax returns to prove your income.
Can I pay off my mortgage early?
Yes, many mortgages allow early repayment, but depending on your mortgage terms, you may incur early repayment charges. Check with your lender for details.
How do I get started?
It all starts with a no-obligation chat to understand your personal circumstances and finances better. For more information, please get in touch with us today with our mortgage advisors in Stockport by calling us on 0161 791 4757 or use our online contact form and we'll get back to you promptly.
We’re all ears.
Let’s have a chat about what you need and how we can help.
