First time buyer mortgages are not what they were! As UK property prices have risen, first time home buyers have found it harder and harder to get onto the first rung of the property ladder. Gone are the days when a first time buyer could simply multiply an annual salary by two-and-a-half and see what first time buyer mortgage that would secure them! Finding out what your first mortgage will be and how much it will cost, is an important factor in seeing if you can afford your first property.

In fact, the market has become so ‘tough' for those lenders providing first time buyer mortgages that they have had to come up with more innovative mortgage products. On the other hand, the 'credit crunch' has meant that first time buyers need to be less of a risk to the lenders, so you may need a guarantor to help you secure a mortgage, or help from a parent with the deposits to reduce the amount of mortgage required. 
Mortgage lenders who have risen to the challenge now offer a whole raft of innovative first time buyer mortgages. Your first and most important step is to talk to an APH adviser as we will know about all the UK first time buyer mortgage deals going at any one time.

As a first time buyer, we will organise your mortgage for you, even if you have not found your new home. This means that when you do find your new home, you will be in a position to go ahead straight away. You can make an offer with confidence knowing that your mortgage is agreed in principle. As well as finding the most suitable mortgage, APH will guide you through the transaction process to completion.