First Time Buyer
The hardest step on the property ladder is the first.
Purchasing your first home can feel overwhelming. At Lifetime Planning, we help first-time buyers navigate the process and simplify their journey.
When you choose our services, you will be paired with a dedicated mortgage case manager. They will assist you throughout the often challenging journey of securing your first mortgage, providing guidance at every stage. As a seasoned mortgage broker, we will explore our broad network to find the most competitive deal that fits your needs.
4 steps to getting on the property ladder
Find out how much you can afford
Before you begin house hunting, schedule a meeting with a mortgage adviser, such as Lifetime Planning.
We will review important factors like your income and profession to provide you with an estimate of what home you can afford.
Find a house
Now you have a clear idea about what you can afford, you can start house hunting and then obtain an agreement in principle.
Lenders will give you a statement showing how much they can lend based on property approval and assessments. We will help you through the process before you submit your application.
Instruct a solicitor
Choose a property within your budget and instruct a solicitor, we can help you with this. To apply for your mortgage, you’ll provide documents like bank statements and proof of address.
The final step
After the lender issues the mortgage offer, both solicitors will exchange documents to finalize details. Once agreed, the documents will be signed, completing the process and creating a legal contract.
To understand how to get your first mortgage, read our guide for more information.
Speak to an adviser
Fill in your details and one of our expert advisers will be in touch.
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your requirements.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
This firm charges a fee of up to £795 for mortgage advice. The amount of fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity.
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