Who is considered a First-Time Buyer?

A first-time buyer is someone looking to buy a property for the first time. You can’t be classed as a first-time home buyer if you have ever owned; a property before, a property through a shared ownership scheme, a property with somebody else (including family, a partner or a friend), a holiday home or property abroad.


Mortgages for First-Time Buyers

The idea of buying your first home can seem daunting, overwhelming and confusing! But it doesn’t need to be… Our goal is to provide you with guidance and support throughout the entire process to ensure that you have a clear understanding of what is involved and how much it will cost.

The mortgage market is constantly evolving, with changes in mortgage deals, regulations, and lender assessment criteria. Lenders now consider various factors when assessing the suitability of borrowers, including; the type and condition of the property, employment status, financial commitments, credit history, affordability, and expenditure. Our comprehensive support will help you navigate these factors and make informed decisions throughout the home buying process.

At CCFPL, we make it a priority to stay current with all regulations, legislation and developments in the mortgage industry. We take the time to truly understand your individual needs and find a lender that aligns with those needs, all while providing protection for you and your family through our protection & insurance services. In the realm of modern mortgage advice, we aim to save you time, money, and anxiety by offering access to a wide range of mortgage lenders.


Getting on the property ladder

As we have access to whole of market for mortgage lenders, we are well placed to assist you on your mortgage journey. We will search through the market to find you a mortgage that is right for you and your specific needs.

You don’t necessarily need a 20% deposit to get onto the property ladder, some lenders will look for a minimum deposit of 10% or 5%! Having a bigger deposit can often lead to access to better mortgage deals, rates and lower monthly mortgage payments.

Saving for a deposit on your first home can feel like a scary task to do, but once you’ve started looking at your options and planned how you can reach your target, it can be achievable! We all have to start somewhere...

At CCFPL we love helping first-time buyers by contributing towards the excitement of turning their home-owning dreams into a reality!



01332 382917
4 St Georges House,
Vernon Gate,
DE1 1UQ.