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 while it’s an exciting journey, it can come with uncertainty and complexity. At Bakerhill, we specialise in helping first-time buyers navigate the process with clarity, confidence, and calm.
Whether you're beginning your search or already viewing properties, our experienced mortgage advisors will guide you every step of the way from your initial affordability checks through to the day you collect your keys.
Why Choose Bakerhill?
Personalised, Strategic Advice
We take the time to understand your goals, lifestyle, and long-term plans before recommending the right mortgage solution. It’s never just about the cheapest rate; it’s about the right fit.
Clarity at Every Step
We simplify the process, break down the jargon, and provide clear, honest answers to every question, no matter how big or small.
End-to-End Support
From securing your mortgage in principle to dealing with solicitors and paperwork, we’ll manage the process for you so you can focus on the exciting parts.
How We Help First-Time Buyers:
Assessing how much you can borrow and what’s affordable.
Arranging your Mortgage in Principle to support offers.
Exploring government schemes such as Shared Ownership and First Homes.
Comparing deals from a wide range of trusted lenders.
Managing the entire mortgage application on your behalf.
Coordinating with estate agents, surveyors, and solicitors.
Start With Confidence
Whether you're six months away or ready to offer on a property, expert advice early in the process can make all the difference. At Bakerhill, there’s no pressure, just straight-talking and honest advice.
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.
Book your free first-time buyer consultation today.
Let’s take the stress out of your first step onto the property ladder.