first time buyer mortgages
Getting a mortgage doesn’t have to be overwhelming. We make your first mortgage simple, with thousands of options and full support every step of the way.
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FINDING THE BEST DEAL FOR YOU
Finding the right mortgage is a major decision, but you’re in safe hands. Our knowledgeable and approachable experts understand the market inside and out, ensuring you secure the best deal available.
- 100 +
- Reviews from our customers
- 1,000s
- Of products to choose from
- 300+
- Families helped into new homes
- £200M+
- Lending for our clients
How to Get a Mortgage
Getting your first mortgage with Montgomery Financial is straightforward. Start by scheduling a free 20-minute consultation with our team to discuss deposit options and explore available schemes. We’ll secure an Agreement in Principle (AIP) to demonstrate to sellers that you’re a serious buyer.
Once your offer is accepted, we’ll manage the mortgage application process with your lender. Your solicitor will arrange property surveys and legal checks, leading up to exchanging contracts and completing the purchase. No need to get lost in online advice – we focus solely on your needs and goals.
With our extensive experience, we’ll guide you through each step, tackling any challenges, whether it’s borrowing limits or deposit changes. We simplify the journey, letting you focus on the fun stuff – like picking out flooring, furniture, and where the TV will go. Montgomery is here to bring you closer to homeownership!
How does it work?
The steps towards getting your mortgage couldn’t be easier with our straightforward approach!
01
Book A Call
Book a call back or set up an appointment in just 30 seconds—completely free of charge. Let’s get things started.
02
Meet Your Team
You’ll be paired with one of our friendly mortgage specialists who will guide and support you from day one.
03
Search For Your Deal
We’ll search through thousands of deals to find the best option for you, saving you both time and money.
04
Receive Your Offer
We’ll handle everything to lock in your offer and guide you through to completion. Track your progress and receive updates through our portal.
We Go Beyond Just Finding Mortgages
We’ll manage the entire process for you—working closely with your lender and solicitor right through to completion. Our team stays in touch every step of the way to ensure you have the right cover and protection in place. When it’s time to remortgage, we’ll be the first to let you know. You can count on us for ongoing support and peace of mind.
First Time Buyers
Remortgages
As the market changes, new deals emerge, meaning your current interest rate might no longer be the best fit. By remortgaging, you could save hundreds of pounds a year! Our trusted advisors are here to help you find a cost-effective remortgage deal—often without the need to change lenders.
Buy To Let
The possibilities for property investment are endless—whether you’re purchasing your first property to secure your future or building a thriving portfolio. We provide honest, expert advice free from the hype of social media trends. From sourcing opportunities to planning and navigating your strategy, we’ll help you maximise your returns.
Move Home
What Does A Mortgage Broker Do?
Charles Breen introduces the company and talks us through the services offered by a mortgage broker.
We start by listening to your situation and learning about you. Then we see what you can borrow, and verify what you can afford by looking at your income and expenditure.
It’s not just multiplying your income by four and a half, as it was traditionally. We also look at your outgoings to see what’s going to be more suitable for you.
Once we’ve identified the right mortgage lender and a suitable deal for you, we would get you a Decision in Principle. You would then look at houses, if you’re not remortgaging, then we would submit your information and get you your mortgage offer.
It’s not just organising a mortgage. We also look at home insurance, life insurance and income protection – because it’s not just about getting you this large loan. It’s also about making sure you keep your house.
We want to keep that relationship with you up until your mortgage completes in 20, 25 or maybe 35 years. It’s not just a one-off transaction. It’s a long-term relationship, where we watch the market to get you the most positive products out there and try to save you money.
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