First Time Buyer Mortgages

Buying your first home will probably be one of the most exciting times of your life so you deserve to enjoy every step of the journey. Our outstanding customer service is unrivalled so for us we value this as our chance to create a great first impression.

We are confident that if you use us for your first purchase, you will use us for every mortgage review in the future. When you entrust us with your first mortgage application, we treat it as if it is our own. We then look after you throughout the full process and beyond making sure you have the right insurances in place for your circumstances and keeping in contact providing advice throughout the many years you hold your mortgage.

Award winning mortgage broker - Tony Flynn Mortgages based in South Lanarkshire covering Glasgow, Edinburgh, Scotland and all of the UK. Specialising in First Time Buyer Mortgages.
Award winning mortgage broker - Tony Flynn Mortgages based in South Lanarkshire covering Glasgow, Edinburgh, Scotland and all of the UK. Specialising in First Time Buyer Mortgages.

Tony Flynn Mortgages

We focus on the mortgage application, you can focus on the excitement of property hunting.

Award winning mortgage broker - Tony Flynn Mortgages based in South Lanarkshire covering Glasgow, Edinburgh, Scotland and all of the UK. Specialising in First Time Buyer Mortgages.

How Much can I afford?

Usually, lenders want you to have a good credit score. If yours is not great, see our low credit score page for further info

  1. Check your credit score. checkmyfile.com is a good one to use as it includes Experian, Equifax and TransUnion in one report.
  2. Make sure your address is correct and up to date. It is important that you are registered at your current address on the electoral register and you have updated all of your credit accounts and driving licence.
  3. Keeping up to date with commitments is a good indication to a lender that you are credit worthy.
  4. If you are concerned with your credit check out our low credit score page for more info
Award winning mortgage broker - Tony Flynn Mortgages based in South Lanarkshire covering Glasgow, Edinburgh, Scotland and all of the UK. Specialising in First Time Buyer Mortgages.

What is a mortgage?

Let’s start with the basics. A mortgage is a loan that enables you to buy your property. You then pay this back monthly usually 25+ years. To get a mortgage consideration is given to your credit, income, outgoings and even your age. You will need a down payment known as a deposit usually a minimum of 5% (although there are a few options where this is not required)

Buying your first home

This is an exciting time!! This is a great moment in your life no doubt, however it can also become overwhelming as its the first time you’ve gone through the process and the most expensive thing you have ever bought. It’s important to get it right. For expert help on finding the right First Time Buyer Mortgages speak to one of our team.

Speak to Tony Flynn

Helping you find the right
First Time Buyer Mortgages.

How Much can I afford?

This will determine the home you can buy. Using online affordability calculators is a quick and easy way to see potentially how much you could afford to borrow. These are usually quite simple in its style and its often best to get guidance from an expert, but these give an overview and idea.

Deposit

How much of a deposit do I really need? Typically, you can purchase a property with a 5% deposit depending on your circumstances however there are various deals and methods available that can assist you including family assisted purchases. These options can be complex and its best to reach out as early as possible in the process for guidance.

Insurances

We only work with 5 star providers. When it comes to protection, we have it covered, we only use five star defacto rated providers to make sure that our protection policies do what they should do. With access to exclusive features not available unless you talk to a broker, it makes sense to talk through your options. Protect your family should the worst happen. It’s not a one size fits all, everyone is different, and we take a tailored approach to each and every client.

Solicitors

Getting the right solicitor, it is their help and guidance that helps you through the legal process of purchasing.
Solicitors will contact the seller’s solicitor and take care of the offer, contracts and any issues that may arise. They will conduct the searches required for your local area including flooding, mining etc. They will make sure everything is looking good before signing the contracts and exchanging.

Tony Flynn Mortgages

We will be with you Every Step of the way!

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