Making Home Ownership a Reality: A Guide for First-Time Buyers
We understand that the home buying process can be overwhelming, particularly for first-time buyers who may be unfamiliar with the market and the range of financing options available. That’s why we provide a tailored roadmap, designed specifically for you, to guide you through the journey of homeownership.
First Time Buyer
Our services: simplifying your mortgage journey
Achieving homeownership, a significant milestone for many, can also feel overwhelming due to the abundance of conflicting advice. Allow our expert advisors to guide you through the entire process. From the first point of contact, we’ll help you determine your borrowing capacity, provide a comprehensive breakdown of costs, and secure an agreement in principle. Becoming a qualified purchaser, you’ll gain an advantageous position with estate agents and sellers, making your dream home more attainable.
You are a first-time buyer if:
You have never owned a residential property either in the UK or abroad. If you have only owned a commercial property without any living space attached to it, such as a pub with upstairs accommodation.
Learn moreYou’re not a first-time buyer if:
You are purchasing a property with someone who currently owns or has previously owned a home, you may not be eligible as a first-time buyer. If you have inherited a home, even if they never lived in it and it has since been sold.
Other OptionsFirst Time Buyer
Mortgage solutions tailored to every circumstance
At Barrett Mortgages, we understand that everyone’s financial situation and goals are unique. That’s why we offer bespoke mortgage solutions designed to suit your individual needs.
Expert mortgage solutions to help you buy your first home
Receive tailored mortgage solutions designed to guide you through every step of the process, helping you confidently take your first step onto the property ladder.
Learn moreExclusive products and benefits for first-time buyers
Unlock a range of exclusive mortgage products and benefits designed to make buying your first home easier, more affordable, and stress-free.
Learn moreNew build and shared ownership government schemes
Take advantage of government-backed initiatives designed to make owning a home more achievable, including tailored options for new build properties, shared ownership arrangements, and the Forces Help to Buy scheme.
Learn moreSolutions for self-employed first-time buyers
Including solutions for self-employed first-time buyers with only one year’s income, our tailored options make it easier to navigate the process, even with non-traditional earnings.
Learn more6x income mortgage
Boost your mortgage borrowing capacity with a 6x Income Mortgage. If you meet the specific eligibility criteria, you could qualify for a mortgage 6 times your earnings. So you could increase your budget by up to 20%.
Learn moreAs a freelance musician with complex employment contracts, securing a competitive remortgage was tougher than I expected. Barrett Mortgages made it seamless and got me a better rate than I’d hoped for. I highly recommend them!
Why choose Barrett Mortgages?
Mortgage Solutions Tailored To You
At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.
Flexible Finance Options
We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.
Full Support
Our experienced advisors will support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!
Chat with a Specialist
Who will guide you through the qualification process. During our initial consultation, we aim to provide an idea of your maximum loan amount, monthly payments, and associated costs where possible, while answering any questions you may have.
Schedule a callbackFind your solution
Once we have found your solution one of our dedicated advisors will compare all suitable products and prepare your mortgage application. We’ll then handle the submission and work towards securing your formal mortgage offer.
Get my mortgage planTurn Your Dream into Reality
We’ll make the final steps as smooth as possible, coordinating with lenders to ensure a seamless process—ready for you to get the confirmation to your new venture!
Get startedTried, Tested & Trusted by YOU
Readily Available
I have dealt with many mortgage brokers over the years , but these guys know their stuff and would recommend both Beth and Darren very highly .They are readily available , talk our language and explain things thoroughly , look no further for quality independent advice on mortgages
Continue To Recommend
Barrett Mortgages helped us save thousands with our remortgage!! Such a smooth process and they were always available to answer any queries I had. Have been and will continue to recommend to others!
Thank You Beth
Beth at Barett Mortgages was most helpful and supportive. I am a first time buyer and did not have a clue about anything, but she made buying a house seem like buying a dress. Thank you Beth, I appreciate your guidance and support through the entire process and look forward to working with you through the life cycle of my mortgage. Will definitely recommend Barett Mortgages to family and friends.
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Click. Chat. Complete!
Click now to connect with our team. After discussing your circumstances, we’ll recommend the best path to completion.