First Time Buyer Mortgages in sutton

🔑 Getting You on the Property Ladder

Buying your first home is a huge milestone — but it can also be confusing and stressful. We help first-time buyers across Sutton, Cheam, Belmont and the wider South London area understand their mortgage options and move forward with confidence.

Whether you’re just starting your search or already have a property in mind, our team will guide you through the process and help you make informed decisions from day one.

🤝 How We Can Help

• 📊 Estimating how much you can borrow based on your income and deposit
• 🏦 Explaining mortgage types like fixed-rate, tracker, and low-deposit options
• 📄 Supporting you with paperwork and lender requirements
• 🔎 Connecting you with a qualified adviser if FCA-regulated advice is needed

🏡 Mortgage Solutions for First-Time Buyers

• 🔐 Fixed and tracker rate mortgage options
• 💷 5% deposit mortgages (up to 95% LTV)
• 👨‍👩‍👧 Family support and guarantor mortgage solutions
• 🏠 Assistance with Shared Ownership and First Homes Scheme

📈 How Much Can You Borrow?

Most lenders offer between 4 and 4.5 times your income, though this varies depending on the lender and your overall financial picture. Your credit history, debt levels, and deposit size will all play a part. We can help you understand what’s realistic — and what repayments might look like.

🌍 Why Work with a Local Team?

We’ve supported buyers in Sutton, Carshalton, Worcester Park, and beyond. We understand local property values, lender preferences, and how to keep things moving. Whether you’re buying a flat near Sutton Station or a house near Overton Park, we’re here to help.

❓ First-Time Buyer FAQs

💰 What deposit do I need as a first-time buyer?

Many lenders accept a 5% deposit, but putting down more often unlocks better rates. We’ll help you weigh up your options.

🧑‍💼 Do I need a mortgage adviser?

If you require tailored advice, we’ll connect you with a trusted, FCA-regulated adviser who can recommend the best deal for your situation.

⏳ How long does a mortgage application take?

Typically 4 to 8 weeks from start to offer — though this depends on the lender, solicitor, and how quickly documents are provided. We help streamline the process wherever we can.

📞 Ready to Start Your Journey?

We’re here to help you take the first step. Whether you’re saving for a deposit or ready to apply, we’ll help you find the most suitable mortgage and explain everything clearly along the way.

📩 Get in Touch

Reach out today to speak with our local team. Use the contact form, request a callback, or give us a call — we’re here to help.