First Time Buyer Mortgages in sidcup
🏠 First-Time Buyer Mortgages in Sidcup
🔑 Helping You Get on the Property Ladder
Buying your first home is exciting — but it can also feel overwhelming. We support first-time buyers across Sidcup, Blackfen, Foots Cray, and the wider Bexley area in navigating their mortgage options with clarity and confidence.
Whether you’re just starting to save or have already found a property, we’ll help you understand what you can borrow, what deals may be available, and what steps to take next.
🤝 What We Help With
- 📊 Working out how much you can borrow based on your income and deposit
- 🏦 Explaining the pros and cons of fixed-rate, tracker and low-deposit deals
- 📄 Supporting you with applications and lender paperwork
- 🔎 Introducing you to a trusted broker if regulated advice is required
🏡 Mortgage Options for First-Time Buyers
- 🔐 Fixed-rate and tracker mortgages
- 💷 5% deposit (95% LTV) mortgage options
- 👨👩👧 Family-assisted and guarantor mortgages
- 🏠 Shared Ownership and First Homes Scheme support
📈 How Much Can I Borrow?
Lenders typically offer 4 to 4.5 times your income — sometimes more depending on the lender and your overall affordability. Your credit history, deposit, and commitments all play a part. We can help you understand how much you could borrow and what monthly payments might look like.
🌍 Why Choose Local Support?
We’ve helped buyers across Sidcup, Welling, Bexley, and Eltham. We know the local area, property prices, and lender requirements. Whether you’re buying a flat near the station or a house in Blackfen, we’ll help you approach the process with confidence.
❓ First-Time Buyer FAQs
💰 What’s the minimum deposit I need?
Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.
🧑💼 Do I need to speak to a mortgage broker?
We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.
⏳ How long does the process take?
On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.
📞 Ready to Take the First Step?
We help first-time buyers across Sidcup find the right mortgage path. Whether you’re still browsing or ready to go, we’ll support you through it.
🧮 Mortgage Calculator for Sidcup Buyers and Homeowners
Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.
Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.
Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.
Contact Us Today -0203 656 5182
Please feel free to complete our form and one of our friendly team will happily contact you.