01
Start with what you can afford
A deposit is only one part of the picture. We help you look at your income, regular commitments, property plans and the costs of buying, so you can discuss a realistic budget before choosing a mortgage.
Mortgage
First-time buyer mortgages · North London
First-time buyer mortgage advice.
Buying your first home brings plenty of questions. From our Winchmore Hill office, we help first-time buyers in Enfield and across North London understand their mortgage options and prepare an application that reflects their circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
02
Advice through the application
We explain the differences between mortgage options, research a comprehensive range of mortgages from many UK lenders and deal with the lender on your behalf. An agreement in principle is not a guarantee of a mortgage offer; the lender will assess you and the property.
03
Bring your questions
Whether you are buying alone or with someone else, we can talk through your next steps in plain language. Ask us about advice fees, lender charges and the information needed before starting an application.
Useful for our first conversation
- Your deposit and where it comes from
- Income and employment details
- Monthly commitments and existing credit
- The property price or area you are considering
A brief outline is enough for your initial enquiry. Please do not send identity documents or sensitive medical information through the contact form.
Your questions
Do I need to find a property before speaking to you?
You can contact us while planning your purchase. An initial discussion can help you understand what information to gather and what to consider in your budget.
Will a calculator tell me how much a lender will offer?
No. Our calculator is an illustration. A lender assesses your income, commitments, credit history and the property before deciding what it will lend.
Read more before you decide
Talk through your next step.
Contact the Winwell team in Winchmore Hill.