First Time Buyer

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Mortgages for First Time Buyers

The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost.

The mortgage market changes all the time, not just in terms of mortgage deals and regulations but also in the way lenders assess loan applications.

Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loans on offer. They base this decision on a variety of factors, primarily:

  1. The property – type, condition, access and location
  2. Employment status – amount and frequency of income (and time in your current role)
  3. Financial commitments – current and future (and your history of managing credit).

There is now more focus on affordability and expenditure. This is very different from the traditional approach of simply multiplying your annual personal (or rental) income by a pre-set multiple to obtain a maximum lending amount.
We pride ourselves on being up to date with regulation, legislation, and the economic market.
We understand your needs, match them to the requirements of lenders, and protect you and your dependants once you have bought your property.
This way, we help you save time and money in the new world of mortgage advice.

Getting on the ladder

A significant advantage to being a first-time buyer is that there is no chain, making a first-time buyer more appealing to sellers.
As we have access to many lenders, we are well-placed to assist you

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

 

Our Are Of Expertise

Leon J H.

Brilliant experience will highly recommend this was a really good and really fast process and will use again in future, with being in the army time was very difficult and they was really supportive and time efficient on getting in touch and understanding when I was busy with being overseas, Carnt thank them enough now I have my own home Thankyou

Stacey H.

Excellent support, guidance and help from the team. I knew nothing about how to buy a house but the team were so helpful and helped me feel at ease! I completed on my home far quicker than expected and it wouldn’t have been possible without the help of the team. Fantastic guidance as well on arranging home insurance and life insurance, an extra level of support I didn’t expect to receive.

Scott P.

Claire and the team have been absolutely amazing from start to finish can’t thank them enough ,  would highly recommend

Dan B.

I can’t say enough good things about my experiences with Claire Hogg Mortgages and Protection Company!!! We have had assistance from Claire and the team across multiple properties for a number of years and from start to finish, the team have always been knowledgeable, responsive, and genuinely invested in helping us secure the best mortgage for our situation. They explain every step clearly, answer all our questions promptly, and have made the entire process smooth and stress-free. I highly recommend them to anyone looking for a trustworthy and reliable mortgage partner, there’s absolutely no need to look any further! 
Thanks Claire & Team!

David B.

Can’t thank the team enough for sorting a mortgage and remortgage for me, made the process completely effortless, and will definitely be using again. I don’t often post reviews but credit where credit is due, highly recommended. Thanks

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    Claire Hogg Mortgages & Protection Ltd is an appointed representative of Quilter Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

    Registered in England & Wales No. 11826805. Registered address: Borough House Business Centre, 5 Borough Road, Richmond, DL10 4SX

    The guidance and/or Information contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.

    Approver Quilter Financial Services Limited 05/05/2026

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