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First Timers

How do we approach looking after you

Its not just about sorting out the mortgage. From the first financial assessment, until you get the keys, we are here for you every step of the way

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £495

Financial Appraisal

Our initial chat and appraisal of your financial situation will allow us to understand what you want to achieve, and we will be able to let you know whats possible. Whether you need to start quickly, or you are just trying to figure out how much you can borrow, it all starts with getting all the information together and assessing it for you – FREE OF CHARGE!

Decision in Principle

Once we have understood your case, we will recommend a lender and a potential product for your house purchase. Once we have explained our choice, we will get your permission to approach the lender to get a Decision in Principle.

As our process is based on getting all the documents and information up front, we can be confident of the best chance of success in getting that initial buy in from a lender to be able to help you.  Once you have your Decision in Principle, its time to go house shopping!!

The Application Process

Once you have found your dream home, we will check back through the case, get any updated documents for you, and get the application on the go. All the way through the process, we will update you on the process as it happens (so you always know where you are up to!) We look after everything for you, and will also keep your solicotor and estate agent up to speed, until we get your mortgage offer.

What Next?

Once the offer is on the table, we dont leave it there!

We will keep in touch with the solicitors and estate agents, and help you through understanding the process of house purchase. All the way until the end! We will also make sure we provide you with advice and quotes for Life Insurance, Critical Illness Insurance, Income Protection, Building Insurance and more! We arent happy until you have the keys, so you can be sure we will be there every step of the way!
Let us help you

First Time Buyers

We were all there once.. And we understand that the first time you consider getting on the property ladder it feels like there is so much to think about. We pride ourselves in guiding you through the process rather than just being  the people to find your mortgage.

START YOUR JOURNEY
Already with a mortgage?

Free Mortgage Reviews

Regardless of your current position, there is never a better time to review your mortgage and protection arrangements. COVID 19 has changed the way we work and think, and with our deep roots within the freelance and self employed workforce, we want to do our bit to help.

START YOUR JOURNEY

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £495

Meeting over a house

Free Mortgage Reviews

We firmly believe that reviewing your mortgage and protection arrangements is one of the most important things you should be doing right now, and we want to help. Even if you just want to see what is out there, our no obligation, free initial consultation will take you through your current situation and see if there is anything we can do to help.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £495

Concerned couple

COVID Support and Mortgage Holidays

COVID has been difficult for us all. Many people have opted for payment holidays, while some will be struggling to try and make regular payments, sacrificing luxuries and tightening belts.

Lenders are now being receptive to the situations everyone has encountered during the pandemic, so even if you think you may have no options, there may be solutions to get you back on track and even save a few pounds.

Frequently Asked Questions

Questions are good.. We like them!

But if you are looking for some swift answers, here are what we get asked the most!

How much can I borrow for a First Time Buyer mortgage?

This is a key question for many as they assess the type of home they can afford. Obviously, it all depends on individual circumstance. Your finances will be considered in terms of incomings and outgoings to work out what size of a mortgage you could afford to borrow. Other aspects such as the size of your deposit are also an influential factor.  learn more

What kinds of First Time Buyer Mortgages deals are available?

The Government’s Help to Buy Scheme allows minimum deposit of just 5% with no interest to be paid for five years. When using Help to Buy, the Government will lend up to 20% of the property value in England and Wales, 40% in London, or 15% in Scotland. You then take out a mortgage on the rest of the property’s value (so, if your deposit was 5% and your equity loan was 20%, you’d take out a 75% mortgage). It means you are able to secure a mortgage on a property without having an uphill struggle getting a large deposit together. We will consider this as an option along with all other deals available to you based on your specific situation.  learn more

I’m moving house. Can I secure a better house purchase mortgage deal?

In short, yes you may be able to. The current mortgage climate is very aggressive and this can lead to some attractive offers for prospective lenders. Always factor in any arrangement fees or other costs, so that the headline figure remains attractive. Also keep in mind is any penalties involved with exiting your current mortgage deal earlier than anticipated. Even if you aren’t moving, it may be worth speaking to us if your deal is nearly up, and especially if you haven’t switched your deal for some time.  learn more

Are there any potential pitfalls when I move house and move my mortgage?

If you are downsizing there should be no issue, as you’re not borrowing more money. However, if it’s a move up in property size and you’re applying for a new mortgage, you can incur further credit checks, and the criteria may have changed since you last went through the process, so prepare yourself for further financial scrutiny. We can advise you on the likely routes and will always make sure we find the most appropriate deal for you, whatever your situation.  learn more

Contact us now to get started!

For a free, no obligation chat, complete the contact form and we will get straight back to you.


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

Mortgages 4 U is a trading style of M4U Mortgages Ltd, who is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 1062466.
Registered Office : M4U Mortgages Ltd, 23 Pembroke Ave, Corringham, Essex. SS17 7PW.
Registered Company Number 1731766 Registered in England & Wales

23 Pembroke Avenue, Corringham, Essex. SS17 7PW

info@mortgages4u.uk

Telephone : 01268 851424
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