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House Purchase

Whether you’re a first-time buyer or moving to your next home, our mortgage advisers can support you through each stage of the home-buying process — from your initial enquiry through to mortgage completion

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Moving into your own home? We’re here to help.

Buying a home is one of life’s biggest steps — but you don’t have to figure it out alone. Whether you’re a first-time buyer or moving up the property ladder, we can support you through each stage of the mortgage process.

Our team will explain your mortgage options in plain English, help you understand what lenders look for, and recommend mortgage options that may be suitable for your needs and budget.

So you can move forward with confidence, knowing you have experienced support throughout the mortgage journey.

Easy Mortgage Guide

We explain everything you need to know, in everyday language.

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How It Works – 3 Easy Steps to Get Mortgage Confident

Tell Us About You

Answer a few questions about your circumstances, property plans, and what you’re looking to achieve.

Get Personalised Advice

Your expert will search to recommend a suitable mortgage product for your circumstances, potentially saving you money.

Ongoing Support

We’ll support you through the application process, help prepare the required documentation, and liaise with lenders and solicitors as needed.

Get Advise

Your property may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.

Download our FREE first time buyer’s guide

Get expert insights to help you feel prepared and confident as you buy your first home

How We Help You Buy with Confidence

From the first conversation to completion, we’ll guide you through every stage of the mortgage process.

First-time Buyer Support

Buying your first home? We’ll explain your options clearly and help you understand how much you may be able to borrow, along with what’s typically required for your deposit.

Moving Home

Already a homeowner? We can help you explore mortgage options for your next move and support you through the process as you transition to a new home.

Understanding Costs

We’ll help you understand the costs involved — from deposits and valuations to legal fees — so you can plan ahead with greater clarity.

Mortgage in Principle

Get an indication of how much you may be able to borrow before viewing properties, which can help demonstrate affordability when making an offer.

Expert Mortgage Advice

Our advisers review a wide range of mortgage products and recommend options that may be suitable for your goals and individual circumstances.

Step-by-step Guidance

From application onwards, we’ll stay in touch and explain what happens at each stage of the mortgage process.

How much deposit do I need to buy a home?

When buying a home, lenders usually require a deposit, which in some cases may start from around 5%, depending on your circumstances and lender criteria.

For example, a £200,000 property could require a £10,000 deposit. Saving a larger deposit — such as 10% to 15% — may give you access to a wider range of mortgage options and, in some cases, more competitive interest rates.

If you’re unsure what’s realistic for your budget, our advisers can help explain your options and next steps.

Not sure what you need? Speak to a mortgage expert.

Speak to a Mortgage Advisor

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CLIENT’S TESTIMONIALS

What our Customers say

Check what our customers are saying about us.

“Ashley worked so hard and continuously had my best interests at heart. Excellent advice throughout. It was a long hard battle to sort the purchase through no fault of hers or mine. She took complete ownership and without her it never would have succeeded. Cannot recommend her highly enough.”
Richard B
“Working with Mortgage Confident has been one of the best decisions I've made, the broker involved went the extra distance by securing a bridging loan to avoid losing the onward purchase when my house sell fell through. I wouldn't go anywhere else for my mortgage advice."
Margaret D
“Maire from Mortgage Confident has helped us so much from day one to completion. She helped us with everything from mortgage, house insurance to life insurance. Keeping us well informed as to every step. She even managed to get us a better rate twice throughout the process and ensured we were happy and understanding. 100% will use Maire when it comes to our term being up.”
Lyndsie C
“We’ve used Maire for both our personal and business mortgages and we cannot rate her highly enough. We’ve felt very supported through each application and she’s been able to answer any questions we had with great expertise. Maire has ensured we got the best deals and at a time when interest rates are rocketing we just can’t thank her enough. We would highly recommend this company..”
Brooke R
“I first met Pete when I was struggling to get a mortgage he then put me in the hands of Ashley and I’m glad he did. She was amazing Ashley not only managed to get me a mortgage when no one else could but one with a good deal. Ashley was always on the other end of the phone whenever I needed advice or help on the process and took the stress out of the whole process, even after securing the AIP she continued to help as much as she could with chasing up things that needed doing. Ashley is amazing and I would not recommend anyone else.”
Leon C
Customer experiences are individual and do not guarantee similar outcomes. Results depend on your circumstances and lender decisions.

Common Questions from People Just Like You

How does getting a mortgage work?

A mortgage is a loan secured against your property, which helps you buy your home. You borrow money from a lender and repay it over an agreed term, usually between 20–35 years. We can support you through the mortgage process — from exploring suitable lenders to submitting an application — and explain everything in plain English.

How much you can borrow depends on your income, outgoings, credit history, and the size of your deposit. Most lenders base affordability on a multiple of your annual income, but criteria vary. An adviser can help you understand what’s realistic for your situation.

Most residential mortgages require a deposit, which in some cases may start from around 5% of the purchase price, depending on your circumstances and lender criteria. Saving a larger deposit — such as 10% or 15% — may give you access to a wider range of mortgage options and, in some cases, more competitive interest rates.

An Agreement in Principle (sometimes called a Decision in Principle) shows how much a lender might be willing to lend you, based on basic financial checks. It’s not a full mortgage offer, but it helps when you start viewing properties or making offers.

Some lenders perform a soft credit check, which usually doesn’t affect your credit score, while others may use a hard search, which can leave a small mark on your credit file. Your adviser can explain which type applies before you proceed.

It’s a good idea to speak to an adviser before you start house hunting. They can help you understand how much you could borrow, what your monthly repayments might look like, and which lenders may be suitable for your circumstances.

Besides your deposit, you’ll need to consider valuation fees, legal costs, stamp duty (if applicable), and moving expenses. Your adviser can help explain these costs so you have a clearer idea of what to expect.

Many lenders offer mortgages to self-employed applicants. You’ll usually need to provide evidence of your income, such as accounts or tax returns, often covering two or more years. An adviser can help you explore lenders who are familiar with different types of self-employment.

The mortgage process can vary depending on the lender, your documentation, and the property chain. In many cases, it may take several weeks from application to completion. An adviser can help keep things moving and update you as the process progresses.

If you miss mortgage repayments, it can affect your credit record and, in serious cases, your home may be at risk of repossession. If you’re struggling, speak to your lender or adviser as soon as possible — they may be able to discuss available options with you.