mortgages
first time buyers
Your First Home Starts Here – With Bakerhill
Expert Guidance for First-Time Buyers
Buying your first home is a major milestone, and having the right guidance is essential.
While Baker Hill Associates Ltd support clients through the wider financial journey, we are not authorised to provide mortgage advice and do not arrange mortgages directly.
All first-time buyer mortgage enquiries are referred to a trusted, fully authorised third-party mortgage partner.
They will support you with:
• Affordability assessments
• Mortgage in Principle applications
• Understanding lender requirements
• Reviewing first-time buyer and government schemes
• Managing the full mortgage application through to completion
• Liaising with estate agents, surveyors and solicitors
Any regulated mortgage recommendations will be provided solely by our third-party partner.
Frequently Asked Questions
How much can I borrow as a first-time buyer?
The amount you can borrow depends on your income, outgoings, credit history, and the size of your deposit. At Bakerhill, we’ll assess your finances and give you a clear idea of what’s realistic for your situation.
Are there any government schemes that can help first-time buyers?
Yes. There are several schemes such as Help to Buy, Shared Ownership, and Lifetime ISAs designed to support first-time buyers. We’ll walk you through what's available and whether you qualify.
Do I need a deposit to get a mortgage?
Yes, most lenders require a minimum deposit of 5–10% of the property value. However, a larger deposit can help you access better rates. We’ll help you understand what’s achievable and explore any available schemes to boost your deposit.
How long does the mortgage process take?
Typically, the mortgage process takes 4–8 weeks from application to offer, depending on your circumstances. At Bakerhill, we manage the process on your behalf to keep things moving smoothly and quickly.
Mortgage advice is provided by a third-party partner. Baker Hill Associates Ltd are not authorised to advise on mortgages.
Book your free first-time buyer consultation today.
Let’s take the stress out of your first step onto the property ladder.