First-Time Buyer Checklist
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What is the process of securing a mortgage as a first time buyer?
As a first-time buyer there are a few key steps that you need to ensure are in place before to start your property search.
1. Understand How Much You Can Borrow
Firstly, you should work out how much you can afford. The level of borrowing is determined by two things, your income and outgoings. Our expert advisers at Hirschle Hughes can assess your affordability and help you secure an Agreement in Principle—a document from a lender indicating how much you could borrow. An Agreement in Principle strengthens your position when making offers, showing estate agents and vendors that you’re a serious buyer and allowing you to go house hunting with confidence.
2. Make an Offer and Start the Mortgage Application
Once you’ve found the right home and had an offer accepted our advisors will complete the lenders application form, liaise with the mortgage underwriter and instruct the mortgage lenders’ surveyor to complete a valuation of the property.
3. Receive a Formal Mortgage Offer
Once the underwriter has verified your financial information and the survey has been completed, the lender will issue a formal mortgage offer. This is sent to your solicitor to progress the legal work. Throughout the process, we’ll stay in close contact with all parties to ensure everything runs smoothly right through to completion.
At Hirschle Hughes, we’re here to support you every step of the way—from getting mortgage-ready to collecting the keys to your first home.
Get in touch with our specialist team today to discuss your first-time buyer mortgage.
- Whole-of-market mortgage advisers offering a broad panel of 140+ lenders—giving you more choice and flexibility in a competitive mortgage market.
- Highly experienced advisers with deep market knowledge, helping you secure the most suitable mortgage for your individual needs.
- We excel in challenging or non-standard scenarios, working creatively with lenders to deliver tailored mortgage solutions that fit your circumstances.
- A dedicated point of contact with instant access at your request.
New Build Mortgages
A new build mortgage is specifically designed for properties that are either purchased off-plan or have never been lived in before. Because mortgage lenders apply different criteria to new build properties—such as stricter lending limits and build completion timelines—it’s essential to seek expert advice early in the process.
At Hirschle Hughes, our experienced advisers are well-versed in the complexities of financing new build homes. We’ll guide you step-by-step, ensuring that you’re matched with the most suitable lender.
Thinking of buying a new build or off-plan property? Speak to one of our new build mortgage specialists today.
Self-Employed Mortgage
Securing a mortgage as a self-employed business owner can be more complex, with lending criteria varying from lender to lender. While self-employment is increasingly common, many lenders still take a cautious approach—especially when it comes to assessing income.
The main challenge lies in proving that you have a consistent and sustainable income or if you are retaining the companies profits within the business and therefore your tax returns do not reflect your true earning potential. This can make it harder to meet traditional affordability criteria.
At Hirschle Hughes, our advisers understand how self-employed income works and have access to lenders who take a more flexible, realistic view of your finances. Whether you’re a sole trader, limited company director, or freelancer, we’ll help you present your case effectively and secure the right mortgage for your situation.
Get in touch with our advisers today to find out more how we can help you with arranging your self employed mortgage.
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Property Finance Solutions
At Hirschle Hughes, we provide tailored property finance solutions for a wide range of clients — from first-time buyers and business owners to high-net-worth individuals. Whether you’re securing a residential mortgage, commercial loan, or bespoke lending arrangement, our expert advisers are committed to delivering exceptional service and ensuring a smooth, stress-free transaction.