First Time Buyers

As a first time buyer, I was scared by horror stories over how stressful buying a house is. Buying the house itself was not stressful – thanks to Kate and her team” – Kiri, RMA Client. April 2021

First time buyer mortgages.
We’re here to help and advise.

At Redditch Mortgage Advice, we understand that buying your first home is a daunting experience. Our mortgage advisors work hard to make the process as straightforward as possible, helping first time buyers find the most suitable deal.

As your mortgage advisor, we will guide you through all the fact, figures and decisions from start to finish. There are costs that you need to take into consideration such as solicitors, surveys and mortgage arrangement fees. The first step will be to talk you through all of the costs and how and when you will need to pay them.

We will be able to help and advise you in the following areas:


Agreement In Principle

Providing an agreement in principle to an estate agent to verify your financial position is a key part in the offering and negotiating process. We make sure you are a step ahead of other buyers and will ensure you have an agreement in place after our first meeting at no cost.

Costs Involved In Buying

It’s not just your mortgage you need to think about when buying a property. We will talk you through any additional costs that may arise during the buying process and will go through a costings exercise to make sure you are prepared for every eventuality.

Comparing Mortgages

We have access to a wide range of mortgage lenders, so we will shop around for you to ensure you are getting the most suitable deal.

Help To Buy & Shared Ownership

The government has several schemes to help you get on the property ladder. We can talk you through all options including other affordable housing schemes such as shared ownership. We have vast experience in dealing with help to buy applications and affordable housing schemes.

Budget Planner

When you apply, lenders work out how much you can borrow based on figures such as your earnings, outgoings, the value of the property you want to buy and your deposit. Lenders will also check your credit history. We will complete a monthly budget planner with you, to ensure that the mortgage, protection and household expenses are going to affordable.


Protecting Your Debt

We’re passionate about helping you secure your first home, but we’re equally passionate about making sure that the debt and your family are protected. We will ensure that you are fully protected so that you can keep your home, no matter what life throws at you.

Speak with one of our team


Call Us

01527 864 222

Whatsapp Us

07807 332421

Our Location

Prospect House, Church Green West, Redditch, B97 4DJ


Redditch Mortgage Advice is a trading name of McTernan Financial Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.
Registered Office: 8 Church Green East, Redditch, B98 8BP. Registered in England and Wales. Company number: 09168296.


Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.