Why Choose Us for First Time Buying
Market-Leading Rates
Secure unbeatable mortgage rates and save more in the long run
Pay Nothing Until Completion
Start your first-time buying journey without financial stress – pay nothing until the deal is done
Quick Approval
No long waits – our quick approvals put you on the fast track to home ownership
Award Winning Expertise
Our award-winning experts make the first-time buying process clear and simple
How to Buy Your First Home
Step 1: Find Out How Much You Could Borrow
Start by getting in touch with us to see how much you could borrow. This first step sets the stage for your home-buying journey. We’ll talk through your finances together and give you a clear picture of what you might be able to afford. It’s straightforward—no jargon, just a friendly conversation to help prepare you for the next step
Step 2: Get An Agreement in Principal
Once we know what you can afford, we’ll help you secure an Agreement in Principle. This isn’t a final loan offer, but it shows sellers you’re a serious buyer with backing. It means you’re ready to shop for your home with confidence, knowing exactly what you can spend.
Step 2: Get An Agreement in Principal
Once we know what you can afford, we’ll help you secure an Agreement in Principle. This isn’t a final loan offer, but it shows sellers you’re a serious buyer with backing. It means you’re ready to shop for your home with confidence, knowing exactly what you can spend.
Step 3: Secure Your Dream Home
Now the exciting part—finding your dream home. When you’ve picked the perfect place, bring us the details. We’ll take care of the paperwork and finalise your mortgage quickly. Our goal is to get you from offer to ownership smoothly, handing over the keys so you can start your new chapter
Plus World-Class Cover for
We explore the best deals from all leading providers to find the right coverage for you. Call us for a quote or ask us about insurance during you client consultation.
Life Insurance
We explore the best deals from all leading providers to find the right coverage for you. Call us for a quote or ask us about insurance during you client consultation.
Income Protection
We explore the best deals from all leading providers to find the right coverage for you. Call us for a quote or ask us about insurance during you client consultation.
Critical Illness
We explore the best deals from all leading providers to find the right coverage for you. Call us for a quote or ask us about insurance during you client consultation.
Want to Know More?
We can help make your dream home a reality
Testimonial
Clients Feedback
I had the pleasure of buying my first house with Smart Mortgages. Aaron was very professional and made the process so simple. High recommend. Thanks! 
The service I received from Aaron and the team at Smart Mortgages was above and beyond. Friendly, professional, and always on hand - I am so grateful for all the work that went into helping me. 
Smart Mortgages were great to deal with. Aaron and his team made the entire process so simple and stress free. Would recommend them in a heartbeat! 
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