First Time Buyer

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Taking the first steps

Taking the first step onto the property ladder can be daunting. At Emerald Finance we’ll walk you through the process and get the best mortgage deal to meet your circumstances.

Here are some handy hints for you:

Save save save! The bigger the deposit, the wider the choice when it comes to mortgage options.  You will need at least 5% deposit but increasing this gives you access to better mortgage rates.

Pay off your debts if you can.  Being in debt won’t stop you borrowing but it will reduce the amount you can borrow.  If you reduce your outgoings before your mortgage starts, you will have extra money to buy those lovely new things for your first home!

Check your credit score on Experian and Equifax. Anything less than perfect can affect borrowing so make sure you are paying your debts on time and ensure you are on the voters roll at your current address.

Work out a budget to include your future bills and factor in insurances for protection your home.  If you need help with this, we can assist!

Speak to Emerald Finance for a no obligation financial ‘heads up’ to find out how much you can borrow and obtain a mortgage decision in principle.  This will put you in a more advantageous position with estate agents when viewing property.

What our customers say

"An excellent company. As a first time buyer they gave me great advice which fit my specific requirements. They found me a mortgage quickly which went through without any undue stress. I found the team to be polite, helpful and gave regular updates. Would 100% recommend!"

Daniel T

“I would highly recommend Emerald Finance to deal with any of the financial products they offer. A very professional team of experts in their field. They always seemed happy to help and dealt with our mortgage application in a very swift professional manner. I will be recommending their services to all our family and friends.”

Steve C

“This is the third time we have used the services of Emerald Finance to arrange our mortgage, and we are very satisfied with their consistent attention to detail and excellent customer care.
They are prompt and efficient and we recommend them very highly.”

Leo n

“Wonderful experience from start to finish from Matt Sutton and his whole team (Alex, Hannah, Callum, Lisa)! Used them to secure a mortgage as a first-time buyer and would highly recommend.”

Alice C

“From start to finish on our mortgage Matt, Chris and Callum went through all options and followed the process all the way, great team and highly recommended.”

Terry G