First Time Buyers

Being a first-time home buyer can be exciting and daunting in equal measure – especially if you have to learn about mortgages too. But it doesn’t need to be painful if you plan well.

Your City Mortgages Adviser will guide you through the process explaining everything you need to know to help you make the right decisions. They will assess your situation and recommend the best mortgage deal and then complete and track your application.

Click here Answers to the most frequent First Time Buyer questions.

Why use The City Mortgages?

We understand how important it is to find the right partner. It does not matter if you are a first-time buyer, a seasoned property developer or just looking to release some equity from your home. You need your mortgage application to go smoothly, you want a fast service and to get a decision quickly.


As well as not charging for our service, we will work with you to understand your personal circumstance, what you need to achieve and then help you navigate the financial institutions to get the right result.


We will be able to advise you on the right lenders, what products meet your needs and who would offer you the best rates. We will also fill in all of the paperwork making this a painless stress-free process.


In short, we work for you and we will make sure we get you the right result.

How we work!

You tell us what you need

You can do this by completing the online form or by speaking to us on the phone. We know the right questions to ask to ensure that we get the information needed by lenders.


We do the research

It is then our job to research all of the options available to you, finding what meets your needs and which lenders are offering the best deals. It is important to look beyond the headline numbers and make sure you understand things like rate, term, payment and of course type.


Completed application

We will present you with all the information as well as offering you advice. It’s important that you are aware of all the information before making a decision.

We then complete all the paperwork for you, taking away the stress and ensuring that your application is completed professionally allowing the lender to see all the information they need.

What’s the best Mortgage for me?

That’s impossible to say without first getting to know you and your current situation. Everyone’s circumstances are unique, that’s why it is vital we treat everyone as unique and advise on a case by case basis. There is no such thing as one size fits all.


Once we understand your current situation we will then be able to advise on the best Mortgage product and the best Mortgage lender for you.


We are able to assist you regardless if you are:

A First Time Buyer getting on to the property ladder

Buy to Let property investor adding to your portfolio

Or needing Equity Release to unlock some of the money in your property


Mortgage Advice You Can Trust

Regulated mortgage broker in the Midlands

Ability to search the entire UK mortgage market

Friendly, talented and QUALIFIED mortgage brokers

Stress free process

We do the paperwork

Access to deals not available on the Highstreet