First Time Home Buyer | First Time Buyer Mortgages in Bristol

First Time Buyer Mortgage Advice in Bristol

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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.


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.


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.



It can be an overwhelming experience when choosing the right mortgage for your circumstances because of the plethora of mortgage types and varied deals on offer to customers on the market.

Open & Honest Mortgage Advice 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.


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.



How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Mortgage Advice in Bristol for First Time Buyers 

Our extensive experience has given us the opportunity to work with a plethora of First Time Buyers who are in need to support with taking that first step on the property ladder. We always provide a tailored mortgage service to each customer by utilising our rich knowledge and lengthy experience.

Over time, we have encountered a large variety of mortgage situations, some more common than others. As shown below, we have collated questions and scenarios that we regularly come across when we deal with First Time Buyers in Bristol.

How much can I borrow?

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

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

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)

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?

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.

Why choose us for First Time Buyer Mortgage Advice in Bristol? 

Our team of expert Mortgage Advisors in Bristol, have rich knowledge from helping a plethora of first time buyers begin their mortgage journey over the years.


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. 


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.


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


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.


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.


Contact our team and book yourself in for a free mortgage appointment today with an expert Mortgage Advisor in Bristol.

Reviews Stars5.00 Rating3 Reviews

Common mortgage

Typically, our free consultation will last up to an hour or so. Our team can turn around an agreement in principle within 24 hours of speaking to an advisor. A formal mortgage offer can take around three weeks on average.

It’s typically three payslips for an employee to prove their income and the latest 2 years’ accounts for a Self Employed applicant. You will also need to provide the lender with proof of ID, address, and 3 months’ bank statements.

Once you have submitted a minimum one year’s accounts, you can get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas some other lenders are known to go off your net profit.

Even if you have had credit problems, you may still be able to get a mortgage, though you may be required to put down a higher deposit than you otherwise would’ve, often 15% of the property purchase price.

The minimum deposit for buying a house in Bristol with High Street Lenders is around 5%. This can be higher if you have had previous credit problems.

You may find that it is possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. If you are looking to take out a mortgage on a second property, either to use it for yourself, a family member, a holiday home, or a Buy to Let, this may also be possible.

An Agreement in Principle will usually last between 30 and 90 days, depending on the lender you go with. If your Agreement in Principle expires, you can always have it refreshed.

To avoid being disappointed if an offer falls through, we recommend that home buyers obtain an Agreement in Principle before you begin viewing properties in Bristol. At the very latest you should obtain an AIP prior to making an offer to assist your bargaining position with a seller.

As a trusted and hard-working mortgage broker in Bristol, we will carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for your situation. A credit check will be required for an Agreement in Principle. Once you have given the lender all the relevant documentation and a valuation of the property has been completed, a formal mortgage offer can be issued.

Your free mortgage consultation with a trusted member of our mortgage advice team in Bristol will last around one hour. From there, your advisor will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether you wish to take it or step back.

We make it so easy!
Our 4 step process

Step 1

A telephone test call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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Bristolmoneyman, St. Brandon's House, 29 Great George St, Bristol, BS1 5QT.

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