First Time Buyer Mortgage Advice

Buying your first home is an exciting time but it's important you know what to expect. Our expert team can guide you through the process and give you all the advice you need.
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Here For Every Step Of Your First Time Buyer Journey

First time buyer rates

Our team provide advice on the latest mortgage rates available

Help for first time buyers

Whether it’s Help to Buy, Shared Ownership or a traditional purchase, we are here to help you

First time buyer deposits

We offer advice on how much you need to buy your first home and explain how an increased deposit will improve both lender options and rates then on offer.

Whole Of Market

We are whole of market and have access to a wide variety of mortgage products for your benefit.

Getting The Right Help, First Time, Every Time

Working with our friendly team gives you access to honest, comprehensive and clear mortgage advice to make your first steps on the property ladder as simple and as smooth as possible.

Our team of professional mortgage experts have been supporting first time buyers since 2001 in Reading and the surrounding area and are well placed to offer advice on mortgages if you're looking to buy your first home.

We realise that buying a new home is a big decision for anyone. Our family-run business aims to remove the worry from the process by providing a thorough insight on mortgages and help make your first step onto the property ladder run as smooth as possible.

What Our Customer’s Say ...

Manas Datta - Profile
Adrian helped us sort out a really complicated mortgage stiuation involving a Buy to Let and a second purchase. His service was thorough and detailed. We're grateful to him for his services taking away the stress from what was a terribly complex mortgage arrangement and delivering a great result.
Manas Datta
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Schemes Available to First Time Buyers

Help to Buy

The scheme offers a financial boost for those of you who can raise a 5% deposit.

This is only available on new-build properties and means if this sum is saved, the Government will offer an interest-free loan* worth up to 20% of the property’s value.

The remaining 75% is then repaid in the form of standard mortgage repayments. *this is currently interest free for the first five years but interest then becomes payable thereafter.

Right to Buy

This aims to support council tenants into property ownership.

If you have at least three consecutive years’ tenancy, then you may be entitled to buy your home at a significant discount.

Please consult with your mortgage adviser for full details and any other schemes which could help you purchase your first home.

Shared Ownership

This enables people to purchase a share between 25% and 75% of an existing or new home.

The property is typically purchased from a local housing association, then rent is charged for the percentage of the property not being purchased.

How Our Mortgage Services Help You

A mortgage is usually your biggest financial commitment, so it’s even more important that your first steps on the property ladder are successful. Our advisers can help assess your financial situation using the size of your deposit, your banking and credit history along with other financial information.

Once this has been reviewed and accepted, a mortgage will be granted by the lender. In most cases, a mortgage offer lasts for a period of between three and six months.

We Are Whole Of Market And Our Mortgage Providers Include

Virgin Money Logo
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Frequently Asked Questions (FAQ's)

Need help with your first mortgage? Contact us today for a free consultation

Simply fill in the form and one of our friendly advisers will be in touch to arrange your free consultation. We look forward to helping you.


    Contact

    0118 9455 477
    enquiries@beechwoodmortgages.com
    68 School Road, Tilehurst,
    Reading, Berkshire, RG31 5AW