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First Time Buyer Mortgage Advice in Bristol

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7 days a week, 8am - 10pm

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First Time Buyer Mortgage Advice in Bristol

Discover your borrowing potential and move closer to securing your dream home as a first time buyer in Bristol.

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Helping first time buyers in Bristol

Stepping into the homeowner world for the first time can be a significant event in your life as well as a large financial commitment. Here at Bristolmoneyman, we understand the daunting nerves that come with the experience of being a First Time Buyer. Acheiving the goal of buying your dream first home can be an exciting time if your life and we would love to help you on this journey with you.

We have been in the mortgage industry for over two decades and have dealt with many customers who are taking that first step on the property ladder. We have a team of expert mortgage advisors in Bristol who are always a phone call away and can help you through the steps of your mortgage journey.

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First Time Buyer Mortgage Advice in Bristol

Yourfirst time buyer mortgage journey in Bristol

The mortgage journey can come with its hurdles which we always work hard in helping you overcome. We have a team of Mortgage Advisors in Bristol who will look through a range of mortgage products to find you the one that is fitting for your financial situation.

Our aim at Bristolmoneyman is to provide a friendly service that will help customers through the mortgage journey as easy and straightforward as possible. We know that this comes down to your situation. Due to having extensive experience within the mortgage industry, it’s very likely that we will have encountered a situation like yours before. You might be looking to move into a new home by yourself, with a friend or relative, or it might be something a bit more complex.

We would recommend that you prepare yourself ahead of time when it comes to making an offer by getting a Mortgage Agreement in Principle. Don’t worry if you are unsure about how to arrange it, our team will be able to help. Usually, we will be able to turn this around within 24 hours of your appointment.

Free first time buyer mortgage appointment

We offer all new and existing customers a free initial mortgage appointment. Speak to a mortgage expert if you are looking to know what mortgage options are available to you. Get yourself booked in for your free mortgage appointment to get come Mortgage Advice in Bristol.

It can be common for First Time Buyers to feel a bit stress due to factors like how competitive the mortgage market is and having to secure a property with your estate agent. This is why we always provide an open and honest service as well as support you as a trusted mortgage broker in Bristol. We work hard in relieving the stress and worries and could even work at your pace if necessary.

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Common FAQs From First Time Buyers in Bristol

Are there ways to help me get onto the property ladder in Bristol?

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In the circumstance where you are finding it difficult to save up for the minimum deposit needed, there are a variety of government run mortgage schemes that can help with this. These were designed to help first time buyers get onto the property ladder.

These schemes include Shared Ownership Mortgage Guarantee Scheme, the First Home Scheme and a many more. Of course, you’ll qualify for each of these schemes first. This is where an expert mortgage broker in Bristol can help.

If you are looking for additional first time buyer mortgage advice in Bristol and want to discuss any of the government mortgage schemes, book online for your free mortgage appointment and speak to a mortgage advisor in Bristol.

What are the costs involved with first time buyer mortgages in Bristol?

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Along with saving for a deposit, the additional costs included conveyancing and solicitor costs, property surveys, broker fees and mortgage arrangement fees.

Some applicants may have stamp duty to consider, along with any insurance to protect your home, content or financial security) that you can take out.

When you are connected with your designated mortgage advisor in Bristol, they will be able to discuss in more detail about all the costs during your free initial mortgage appointment.

What do I need to buy my first home in Bristol?

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The first you need to take towards buying your first home is to save enough money for a 5% deposit or more in order to be eligible to take out a first time buyer mortgage in Bristol. As well as this, you will need to contact a conveyancing solicitor to sort out the legal side of purchasing any property.

Here at Bristolmoneyman, we have a fantastic team who are experienced in helping first time buyers in Bristol and are here to help you. We have dedicated mortgage advisors in Bristol who can help you with checking if you are eligible and find you the most appropriate first time buyer mortgage in Bristol.

What type of first time buyer mortgages can I get in Bristol?

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There is a range of first time mortgages in Bristol that may be accessible to you, each different from the rest. We find the most popular one is a fixed rate mortgage which is where you fix in your interest rates for a long time to protect yourself against any interest rate hikes.

As well as this, there is a tracker mortgage. In the event where the Bank of England base rate rises, your interest rates will follow suit. The same applies to if the rate drops. Discounted variable rates are a cheaper option, however, lender’s SVR changes would mean your interest rate will change as well.

Lastly, there is an offset mortgage. This provides you with an interest-free, flexible savings account to make up for the balance of the mortgage. The bigger your savings are, the less interest you pay on your mortgage.

For more information about the different types of mortgages that may be available to you and are looking for which one is best, book online for your free mortgage appointment to speak with one of our mortgage advisors in Bristol today.

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Our Simple Mortgage Process

Free 30 Minute Mortgage Appointment

Step 1

Regardless of what your mortgage goals are, we will strongly suggest that you discuss your current situation and options with an open and honest mortgage advisor in Bristol.

Throughout your free mortgage appointment, your mortgage advisor in Bristol will take important information about your income and expenditure to work out the maximum amount you can borrow for a first time buyer in Bristol.

We Can Search 1000’s of Mortgage Deals

Step 2

Our team can search 1000’s of first time buyer mortgage deals to find the one that is perfect for your situation!

Generally, we aim to obtain your mortgage agreement in principle within 24 hours of your free initial appointment which can be a brilliant tool to support all the offers you want to make in Bristol.

Submit Your Mortgage Application

Step 3

When your offer has been accepted, your dedicated mortgage advisor in Bristol will submit your full mortgage application and forward all documentation to the lender.

Within this process, your case manager will constantly update throughout the mortgage journey all the way to receiving your mortgage offer and completing your purchase.

Protecting You and Your Mortgage

Step 4

We go beyond the mortgage! Along with finding you the best mortgage deal, we will also recommend the most appropriate insurance to financially protect you and your loved ones.

Our team will get in touch when your mortgage is coming to the end of its term in order to place you on the best deal.

Reasons to Choose Us

Free Mortgage Appointment

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You will receive a free mortgage appointment when you get in touch with our team. This can be done over the telephone or via Microsoft Teams video call.

In the circumstance where you feel your situation is too complex, worry not! With over two decades of mortgage experience under our belt, we may be able to help you. Over our time in the industry, we have dealt with a variety of situations, therefore, there is a high chance that we have encountered your situation before.

1000s of Deals

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Our team can search through 1000’s of different mortgage deals and with our rich knowledge, we can find you the most suitable mortgage product for your personal circumstances as a First Time Buyer in Bristol. We will be there to provide you with a helping hand from the first point of contact all the way through to you obtaining the key to your new home.

Our Service

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Here at Bristolmoneyman, we always work hard in making the mortgage journey as stress free as possible. Throughout the process, your dedicated case handler will keep you updated explaining what’s going on and keeping technical jargon to a minimum.

We strive in working hard for you and your mortgage journey which is all part of our tailored service.

7 days a Week

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7 days a week from early until late, we are here to answer any of your mortgage questions. We understand that everyone has a different lifestyle and work at different times which is why we are available for you to call at a time that is convenient for you.

Malcolm and Amy Davidson - Mortgage Advice in Bristol

We Search 1000s of First Time Buyer Mortgages in Bristol

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Common First Time Buyer Mortgage Scenarios

How much can I borrow?

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As a First Time Buyer, you could be wondering how much you might be able to borrow in advance so that you can plan ahead for a mortgage.

If you are looking for a rough estimate, we do have mortgage calculators dotted across our website, however, this will not give you an accurate amount. A Mortgage Advisor in Bristol can give you a more accurate idea of how much you may be able to borrow. Even though this is only an estimate, they can still factor in your situation when working out the amount.

Ready to Make an Offer

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Another advantage to reaching out to a Mortgage Broker in Bristol, like ourselves, is that we can offer you help and guidance when you are looking to make an offer on the property.

Usually, your dedicated mortgage advisor will be able to help you get your mortgage agreement in principle (AIP) within 24 hours of your initial mortgage appointment. Having this with to hand could boost your chances of having an offer accepted.

You’ve Had an Offer Accepted

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Getting an agreement in principle it’s always the best thing to do before you make any offers for a potential new home. As soon as you’ve had an offer accepted on a property, then the full mortgage application can begin.

A Mortgage Advisor in Bristol can be very beneficial as they will be able to see if you are eligible for a mortgage on the selected property at the amount you’re looking to borrow. From this, they will advise you on the next steps to take during your home buying journey.

Needs an Agreement in Principle (AIP)

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As mentioned, our team of mortgage advisors can sort you out with a mortgage agreement in principle typically within 24 hours of your first point of contact.

We do recommend that you have an AIP with you before making any offer as this will indicate to the seller that you are ready to proceed with a mortgage.

I’ve been declined by your bank or building society, can I still get a mortgage?

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Some customers get in contact with our team to get mortgage advice in Bristol after approaching a bank and getting declined. There can be a plethora of reasons as to why the bank declined you, but we may be able to help.

Utilising both our knowledge and experience as a Mortgage Broker in Bristol, we are able to help you find the best outcome for your personal situation. As well as this, we have access to a large panel of mortgage lenders, with a number of them offering very specialist products.

Throughout thee working week and even at weekends, we have a team available for you to contact if you have any questions as a First Time Buyer in Bristol, subject to availability. We would love to help you through your mortgage journey.

Free Mortgage Guides & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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