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The First Time Buyer Mortgage Process

  • Understand Your Budget and calculate how much you can realistically afford to borrow
  • Save for Your Deposit as most lenders require 5-10% minimum deposit
  • Check Your Credit Score and ensure it's clean and improve if necessary
  • Check Government Schemes. Explore Help to Buy and shared ownership options
  • Consider Additional Costs - Budget for legal fees, stamp duty and property surveys
  • Contact us! We don't charge a fee.

Embarking on your first mortgage journey can feel like navigating uncharted territory. At Abodo, we're your compass, guide, and trusted companion, transforming what could be an overwhelming experience into an exciting and empowering adventure.

Our mortgage process is designed with you at its heart - transparent, personalised, and supportive from the very first conversation to the moment you receive your keys, and well beyond.

Get in touch with our mortgage experts

Your home may be repossessed if you do not keep up repayments on your mortgage.

Speak to us about getting a first time buyer mortgage

Speak to our mortgage team to discuss your first time buyer mortgage options. We will help you choose the most appropriate deal.

See why people trust Abodo for First Time Buyer Mortgages

Your Roadmap to Homeownership

Step01

Initial Consultation

This isn't just a meeting - it's the start of a lifelong financial partnership. We'll sit down (virtually or in person) and truly get to know you. Your dreams, your challenges, your aspirations. We're not just discussing mortgages; we're understanding your life's blueprint.

first time buyer mortgage advice

Step02

Fact-Finding

We'll dive deep into your financial world. But don't worry - this isn't an interrogation. Think of it as collaborative storytelling. We'll help you gather documents, understand your income, explore your savings and paint a comprehensive picture of your financial health.

first time buyer

Step03

Mortgage Recommendation

Armed with a thorough understanding of your unique situation, we'll scour the whole of market. We're not tied to specific lenders, which means we can find mortgage options that genuinely suit you. We'll break down complex terms, explain pros and cons and ensure you feel confident about every recommendation.

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Step04

Application Completion

Paperwork can be daunting. We'll be your personal navigator, gathering required documentation and ensuring everything is precise. Our goal? Making the process as smooth as possible, reducing your stress, and maximising your chances of approval.

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Step05

Ongoing Support

Here's where we truly differ from traditional mortgage advisers. We don't consider our job done when you get your keys. We're committed to being your financial partner for life. Annual reviews, market updates, refinancing advice - we're here for your entire homeownership journey.

advice for first time buyers

What Makes Abodo Different?

  • Personalised Approach: No generic advice. Your mortgage strategy is as unique as you are.
  • Market Expertise: We search the whole of market, not just a limited panel.
  • Transparency: No hidden fees, no surprises. We explain everything in clear, jargon-free language.
  • Your Life Journey: We're not just securing a mortgage; we're supporting your financial future.

Our mortgage process is designed with you at its heart - transparent, personalised, and supportive from the very first conversation to the moment you receive your keys, and well beyond.

Speak to our team

Important Considerations

We adhere to the highest professional standards. Your financial protection and peace of mind are our absolute priority.

We understand that every first-time buyer's journey is different. Whether you're a young professional, a couple planning their future, or someone who's been saving diligently, we have the expertise and passion to guide you.

Your first home is more than bricks and mortar. It's a milestone, a dream, a foundation for your future. At Abodo, we're honoured to be part of that journey.

Ready to take the first step? Let's turn your homeownership dreams into reality.

Look at your options with one of our experts