Introduction
Buying your first home is a milestone many dream about — but it can also feel overwhelming. I’m Tom Bradley, and I’ve helped dozens of first-time buyers move in with confidence. In this guide, I’ll walk you through everything — from saving a deposit to protecting your home — so you feel informed at every step.
Why Use a Mortgage Adviser?
Lenders don’t always show their best products publicly. As your adviser, I compare deals from over 140 lenders, including exclusive rates you can’t access yourself. You get expert guidance, clarity, and someone to hold your hand through the process.
Saving for a Deposit & Improving Credit
- Aim for at least 5–10% deposit to start — more if possible
- Pay down credit cards and reduce visible liabilities
- Check your credit report for errors
- Don’t open new credit lines close to applying
What Lenders Look For: Income, Outgoings & Affordability
Lenders evaluate: stable income, your living costs, debt obligations, job history. Self-employed clients: submitting two years’ accounts, SA302s, etc. I help you package your income to present your strongest case.
Government Schemes & Help to Buy in 2025
New updates: [Insert any currently available schemes]. These may include equity loans, low deposit mortgages, or first-home incentives. I’ll tell you whether you qualify and how to use them effectively.
The Mortgage Application Process — Step by Step
- Agreement in principle
- Property search & offer
- Formal application & underwriting
- Valuation & survey
- Legal/conveyancing work
- Exchange & completion
Conveyancing, Surveys, & Legal Costs
You’ll need a solicitor or conveyancer — and a survey (condition, structural). I work with trusted partners so you get fair quotes and smooth service.
Protection & Insurance You Should Consider
Life cover, critical illness, income protection, home insurance — I’ll help tailor cover so your mortgage and family are fully protected.
Common First-Time Buyer Mistakes & How to Avoid Them
- Changing jobs or making big purchases mid-application
- Ignoring hidden fees (valuation, legal, arrangement)
- Focusing on rate alone, not overall cost
- Letting your mortgage review date lapse
What Happens on Completion Day
On the day your mortgage funds are released, you’ll get keys, the property transfers to you — I’ll guide you through final checks and handover steps.
After You Move In — Remortgage Diary & Ongoing Review
Your mortgage doesn’t end on completion. I maintain a diary to alert you before your deal ends so you can remortgage early and save — I’ll always keep you in the best position.
Conclusion & Call to Action
As your mortgage adviser, I’ll walk you through this journey step by step, ensuring clarity, support, and peace of mind. Ready to get started? Book a call now and let’s find your perfect mortgage.