Buying your first home is an exciting milestone, but it can also feel overwhelming. With so many mortgage options, government schemes, and legal requirements, it’s crucial to have the right guidance to make informed decisions. At Empire Mortgages, we specialise in helping first-time buyers navigate the mortgage process with ease and confidence.
Our experienced mortgage advisers are here to answer your questions, provide tailored advice, and ensure that you secure the right mortgage deal that fits your financial situation and future goals. Whether you’re unsure about deposit requirements, looking for the best interest rates, or need guidance on legal steps, we’ve got you covered.
At Empire Mortgages, we make first-time buying simple by offering:
Expert Mortgage Advice – With over 60 years of combined experience, we provide knowledgeable and trusted mortgage advice.
Whole-of-Market Access – Unlike banks that offer limited products, we search the entire mortgage market to find the best mortgage options for you.
Personalised Recommendations – Every client’s situation is unique, and we provide tailored solutions based on your financial circumstances, lifestyle, and future plans.
End-to-End Support – We guide you through every stage of the mortgage process, from affordability assessments to liaising with lenders, solicitors, and surveyors.
Hassle-Free Process – We handle all the necessary paperwork, ensuring that your mortgage application is smooth and stress-free.
Flexible Appointments – We offer in-person, phone, and video call consultations to work around your schedule.
Understanding Your Budget – The first step in the mortgage process is determining what you can afford. We assess your income, existing financial commitments, and credit score to help you establish a realistic budget and deposit amount.
Mortgage in Principle – We assist in securing an Agreement in Principle (AIP), which gives you an idea of how much you can borrow and strengthens your position when making offers on a property.
Exploring Mortgage Deals – Our advisers compare mortgage rates and terms from a range of lenders, helping you secure the most competitive deal tailored to your needs.
Step-by-Step Guidance – From understanding the mortgage application process to liaising with estate agents, surveyors, and solicitors, we offer full support at every stage to ensure a smooth home-buying experience.
Financial Protection Advice – We help you explore insurance options such as life insurance, critical illness cover, and income protection to safeguard your home and financial well-being.
Step 1: Free Initial Consultation
We start with a no-obligation chat to understand your needs, budget, and any concerns you may have. We explain the mortgage process in simple terms, ensuring you feel confident before proceeding.
Step 2: Find the Best Deal
Once we have a clear picture of your finances, we search the whole market to find the most suitable mortgage deal. We also help you secure an Agreement in Principle (AIP), which strengthens your position when making an offer on a home.
Step 3: Full Mortgage Application & Support
When you’ve found your dream home, we handle the full mortgage application, ensuring all paperwork is completed accurately. We liaise with lenders, solicitors, and surveyors to ensure a smooth and stress-free process, keeping you updated every step of the way.
Buying your first home is an exciting milestone, and at Empire Mortgages, we’re committed to making it as smooth and stress-free as possible. With access to the whole mortgage market, expert guidance at every step, and a personalised approach tailored to your financial needs, we’ll help you secure the best mortgage deal for your first home. Book a Free Consultation Today and let’s discuss your mortgage options.
Most lenders require at least 5-10% of the property’s value, but larger deposits can help secure better interest rates.
In addition to your deposit, you should budget for legal fees, surveys, mortgage arrangement fees, moving costs, and possible home insurance.
An AIP is a document from a lender stating how much they may be willing to lend you. It’s useful when making an offer on a property and gives sellers confidence in your ability to secure financing.
The mortgage approval process typically takes 4-6 weeks, while the full home-buying process can take 8-12 weeks, depending on factors such as property chains and legal work.
Refer a Friend Scheme
Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
Registered in Scotland under reference SC545434
Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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