MOVA / First-Time Buyer Mortgages
First-time buyer mortgages.
A clearer first step.
Understand your budget, your deposit and the route from an initial conversation to getting the keys. Steven will help you make sense of it, one decision at a time.
Initial conversation at no cost · No pressure to proceed
Start with what matters to you.
You do not need to choose a product before getting in touch. Bring your plans and your questions; Steven will help you understand the next step.
Three things to clarify
Plan your first mortgage.
A realistic starting budget
Explore income, spending and commitments before deciding what feels manageable.
A deposit with a clear story
Talk through savings or family help and the evidence a lender may need.
Support beyond the first yes
An agreement in principle is an early indication. The full application and property checks still matter.
Start with your monthly life, not just the property price.
A useful budget leaves room for ordinary living costs as well as mortgage payments. Tell Steven about your income, regular commitments, deposit and plans. The free repayment calculator can help you compare example payments, but it does not tell you what a lender will offer.
- Allow for legal work, a survey, moving and any applicable property tax.
- Keep a separate view of your buying costs and money you may need after moving.
Know what each milestone means.
An agreement in principle can help you begin your search, but it is not a mortgage offer. Once you have found a property, the lender assesses your full application and the property. A lender’s valuation is for its purposes; ask a surveyor about an appropriate survey for your own purchase.
- Application: provide the requested income, deposit and identity evidence.
- Mortgage offer: read the conditions, costs and expiry date.
- Legal work and completion: your conveyancer explains the contract and transfer of ownership.
Family help? Bring it into the conversation early.
Tell Steven if someone will contribute to your deposit or join the borrowing. A gift and a loan are different arrangements. The lender and conveyancer will need to understand the source of money and whether it must be repaid. There is no need to send family financial documents in your first enquiry.
Your questions, answered
Clearer on the detail.
Ready for the next step.
Have a question that is specific to you?
Do I need to have found a property?
No. An early conversation can help you understand your starting position before you begin viewing.
Is an agreement in principle a guarantee?
No. It is based on initial information. A full application, checks and a suitable property are still required.
Can I start if I am still saving?
Yes. You can talk through where you are now and the questions to resolve next. Available options depend on your circumstances and lender criteria.
A practical next step
Talk through your plans
with Steven.
An initial conversation can help you understand where to start and what information may be needed next.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount will depend on your circumstances and will be explained and agreed before you choose to proceed.