Buying your first home is a big milestone. Louisa provides friendly, impartial mortgage advice to help you understand your options, work out what you can afford and guide you through every step of the journey.
Buying your first home can feel daunting. From saving for a deposit to understanding mortgage rates and knowing how much you can borrow, there are plenty of questions. Louisa is here to make the whole process clearer, simpler and less stressful.
Buying your first home is one of life’s biggest milestones, but it can also feel like a huge step into the unknown.
Whether you’re wondering how much deposit you’ll need, how much you can borrow or what happens next, Louisa is here to guide you through the process from start to finish.
You’ll receive friendly, impartial mortgage advice, clear explanations without the jargon and support every step of the way.
✔ Understand how much you could borrow
✔ Get your Agreement in Principle
✔ Find the mortgage that’s right for you
✔ Support through to getting your keys
Talk through your circumstances, income, deposit and plans for buying your first home.
Louisa will help you explore how much you may be able to borrow and the costs you should allow for.
Get an indication of how much a lender may be prepared to offer before you begin making serious offers.
Start viewing properties with a clearer understanding of your budget and mortgage options.
Once your offer is accepted, Louisa will recommend a suitable mortgage and guide you through the application.
Louisa will remain available through to completion, when the keys to your first home are finally yours.
Every first-time buyer has questions, and no two situations are exactly the same. Here are answers to some of the questions Louisa is most often asked by clients buying their first home in Newton Abbot and across South Devon.
The amount of deposit you’ll need depends on the property you’re buying and the mortgage available to you. Many lenders require at least a 5% deposit, although having a larger deposit can sometimes provide access to more competitive mortgage deals.
Louisa will explain your options, help you understand what’s achievable and guide you towards the most suitable mortgage for your circumstances.
The amount you can borrow depends on several factors, including your income, monthly commitments, credit history and the lender’s affordability assessment.
Before you start viewing properties, Louisa can help you understand your borrowing potential and arrange an Agreement in Principle so you can begin your property search with confidence.
An Agreement in Principle (sometimes called a Decision in Principle) is an indication from a lender of how much they may be prepared to lend based on the information you’ve provided.
Although it isn’t a formal mortgage offer, it shows estate agents and sellers that you’re a serious buyer and can make the buying process smoother once you find the right property.
Buying your first home involves more than just your deposit. Depending on your circumstances, you may also need to budget for solicitor’s fees, surveys, mortgage arrangement fees, removal costs and other associated expenses.
Louisa will help you understand the costs involved from the beginning so there are no unexpected surprises later in the process.
You don’t have to use a mortgage adviser, but many first-time buyers find the process much easier with expert guidance.
Louisa provides impartial mortgage advice, explains everything in plain English and supports you from your initial enquiry through to completion. Her aim is to make the process as straightforward and stress-free as possible.
Yes. Being self-employed doesn’t automatically prevent you from getting a mortgage, although lenders may ask for additional information about your income.
Louisa has experience helping self-employed clients and can recommend lenders who understand different employment situations.
If you’re self-employed, you may also find our Self-Employed Mortgages page helpful.
No obligation. No pressure. Just friendly mortgage advice tailored to you.
Whether you’re just starting to save for a deposit or you’ve already found your ideal home, Louisa is here to guide you through every step of your first mortgage journey. Friendly advice, no jargon and support from your first conversation through to getting your keys.
Prefer to speak to Louisa?
Call 07584 097131
