First Time Buyers
Get on the Property Ladder with Confidence
Buying your first home is exciting, but it can also feel overwhelming. At J Finance, we specialise in helping first-time buyers navigate the mortgage process with expert guidance and tailored solutions. Whether you need help understanding mortgage options, deposit requirements, or government schemes, we’re here to make your home-buying journey smooth and stress-free.
Why Choose J Finance for Your First Mortgage?
Expert Advice – We simplify the mortgage process, helping you find the right deal.
Exclusive Mortgage Deals – Access first-time buyer mortgages that may not be available on the high street.
Step-by-Step Support – From application to completion, we guide you every step of the way.
Help with Government Schemes – We’ll advise on Own New, Shared Ownership, and First Homes schemes.
How Much Can You Borrow as a First-Time Buyer?
Your mortgage eligibility depends on factors like income, credit history, and deposit size. We’ll assess your financial situation and connect you with the best lenders to maximise your borrowing potential.
First-Time Buyer Mortgage Essentials
Deposit Requirements – Most lenders require at least 5-10% deposit.
Affordability Checks – Lenders assess income and expenses to determine how much you can borrow.
Mortgage Types – Choose from fixed-rate, tracker, or variable-rate mortgages.
Additional Costs – Consider stamp duty (if applicable), legal fees, and survey costs.
Get Started with J Finance
At J Finance, we make the first-time buyer mortgage process simple and stress-free. Contact us today for personalised advice and start your journey to homeownership with confidence.