Buying your first home is one of the most exciting financial decisions you will ever make. A first time buyer mortgage is designed to help people purchase their first property, often with lower deposit options and schemes that support buyers entering the housing market for the first time.
While the process can feel overwhelming, having the right mortgage advice can make your journey into home ownership far simpler and more manageable.
A first time buyer mortgage is simply a mortgage arranged for someone who has never owned a property before. Lenders often offer products specifically tailored to first time buyers, including higher loan to value options and schemes designed to make deposits more accessible.
These mortgages allow buyers to secure their first property while spreading the cost of the purchase over an agreed mortgage term.
Buying your first property comes with several financial hurdles. Many first-time buyers need to overcome:
Saving for a deposit
Meeting lender affordability requirements
Understanding the mortgage application process
Navigating legal and property purchase steps
Choosing the right mortgage product
With property prices rising, careful planning and the right advice are essential to ensure you secure a mortgage that suits your circumstances.
EHF Mortgages specialises in helping first-time buyers navigate the mortgage process with clarity and confidence. As an independent mortgage broker, we compare lenders across the market to find the most suitable mortgage options for your situation.
We help you:
Understand how much you may be able to borrow
Identify mortgage products suited to first-time buyers
Navigate the application and approval process
Secure competitive mortgage rates
Understand the full cost of buying your first home
If you are a first-time buyer looking to purchase a property in Chelmsford or elsewhere in Essex, EHF Mortgages can guide you through every stage of the process and help you secure your first home.
Now is always a good time to talk about your Mortgage. Expert planning and support will give you the piece of mind you are looking for.
Our Mortgage Advisers will work directly with you, supported by industry experts to ensure you are well looked after during the mortgage process, reviewing your protection needs, and we can even help with your Will requirements.
Being a Directly Authorised Broker firm allows us greater freedom to use lenders large and small; High Street mortgage lenders you will recognise, plus smaller specialist lenders with unique schemes and bespoke underwriting opportunities.
Having access to almost every UK Mortgage lender doesn’t need to be expensive either. We keep our overheads low and pass on those savings to our clients. Our borrowers know they will save more than any fees we charge, and nothing is paid upfront – we only charge once the mortgage has been offered.
A great place to start – we offer a 30-minute free consultation to all potential clients to discuss your needs without any obligation.
We make the process of obtaining a mortgage as easy as possible.
Let’s understand your plan, assess your finances and ensure that you can afford the mortgage you need. We will assess what you can afford.
We obtain the agreement from the right mortgage lender, giving you the confidence to view, offer and agree to buy the right property.
Let us support you through this most important stage, checking the property is accepted and your finances are good to go, moving you to Offer stage.
Solicitors finalise the legal work, request money from the mortgage lender, complete the purchase and you have the keys to your new home.
There are plenty of reasons to work with EHF Mortgages
By having independent access to the UK Mortgage market, we are able to provide you with the widest choice of products and will always have the most competitive deals.
We always offer a free no-obligation meeting, so we can understand your situation, your goals and show you how we can help.
We don't just stop with your mortgage, we like to keep you informed about the changes within the market and how this affects your future mortgage needs.
Now is a great time to start your mortgage journey with EHF Mortgages.
Specialist Mortgage Schemes backed by extensive market knowledge and significant lender choices.
Don't put your home or family at jeopardy, tailored protection solutions to your individual needs.
