First Time Buyer Mortgages2019-01-16T11:47:49+00:00

Buying your first home

As we were all once a first time buyer we appreciate that getting onto the property ladder can be a daunting prospect. Purchasing a property is one of the biggest steps you can make in your life and for most of us buying a property will be the most expensive purchase of our lives.

As this is your first ever property purchase it is important to us that you understand every aspect of the property buying process before you make your decision to proceed.

There is a lot to consider when buying a property including; the mortgage terminology, how much you can borrow, what it will cost to repay, the setup fees including stamp duty and survey fees, the types of survey and getting the right mortgage protection insurance.

These considerations and more are fully explained in our conversations with you from the outset.

How can Fox Davidson help a first time buyer to get on the property ladder?

Our mortgage advisers will work tirelessly on your behalf to ensure that we secure the most cost-effective finance for your situation to enable you to purchase your first property.

We will handle the whole application process from application right through to completion (the day you get your keys!).

Talk to us about first time buyer schemes such as help to buy mortgages and 95% loan to value mortgages. We can secure benefits for you including cashback & a free property valuation.

We are flexible in how we work and are able to work with you via email, phone and post or we can meet face to face at our Bath, Bristol & London offices. We will adapt how we work to suit your needs and your busy lifestyle. If you are a first time buyer and wish to work with an award winning mortgage broker then get in touch.

We wont bombard you with mortgage jargon. Use our guide to the most common mortgage terms.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Read what our clients have to say about us

I would not hesitate to recommend Fox Davidson to family and friends. I am a first time buyer and therefore the house buying process was a little daunting to start with but I was kept fully up to date throughout the whole process to the point where I would receive an update email at least twice a week.

I was also extremely pleased to find that as well as assisting with the mortgage I was also being provided assistance with home and life insurance. The service I have been provided is definitely good value for money and I am very grateful to everyone at Fox Davidson who has helped me.

Miss R Power , Bristol

Having been let down by another mortgage broker (who seemed to only want to assist with a mortgage if we took other products too) I stumbled across Fox Davidson. As I am based half in London and half in Bristol, they seemed the perfect fit. Having connected with them and receiving prompt, relevant and helpful advice at the outset of our property search, I had no hesitation in coming back for the mortgage itself.

The mortgage application process was rendered painless and they bent over backwards to help with the sale. They also were extremely helpful and supportive when our first purchase collapsed, also managing to make mortgage application #2 equally as smooth. Thank you so much!

K Gibson, London

After using Fox Davidson for my first buy to let purchase I didn’t hesitate to get in touch again when the time came to buy a second property. Being an expat living and working in Thailand I had found through my own research that the options available to me would be limited, however I needn’t have worried. Fox Davidson found me a mortgage that suited my circumstances  perfectly. They have helped to make what could have been a complicated process very simple and stress free.

Great people, Great knowledge, Great service.
Thank you Fox Davidson.

Mr Christopher Hoare , Thailand

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