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First Time Buyer

If you’re a first-time buyer, you may have spent the past few years saving for a deposit to help you get on the property ladder.

If so, the next step is to find out how much you can borrow so you’ll have a better idea of the type of property you can afford to buy when you start looking for your first home.

When you apply for a mortgage, the lender will assess your affordability by looking at your annual salary and any other income you receive, as well as all of your outgoings, including credit card and loan debts, student loan repayments, household bills, childcare, travel and general living costs.

The lender will also check your credit history to see whether you’re a reliable borrower and will use this and its affordability assessment to decide how much you can borrow.

Mortgage Superheroes can do all of this for you so you don’t waste your time applying to a lender that won’t lend enough or that will decline you due to your circumstances.

Once we have assessed your situation we can recommend the right mortgage for you, approach the lender, deal with the paperwork and keep all parties updated throughout the process.

Mortgage Superheroes Ltd. is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA no. 923911. Registered in England and Wales no. 09390697. Registered address: 124 Glencoe Road, Chatham, Kent ME4 5QF.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

There may be a fee for mortgage advice. The precise amount will depend on your circumstances but typically this will be £450.

Your home may be repossessed if you do not keep up repayments on your mortgage or any loan secured on it.