First time buyer

As a first time buyer, mortgage hunting can seem a little daunting – but not with John Charcol. We’ve already checked out the first time buyer mortgage market, finding the best introductory offers, the lowest interest deals and the most flexible options – all from reputable lenders.

As an independent mortgage adviser, John Charcol will always need to speak to you on the telephone or at a face to face appointment at some point in the mortgage advice process.  However, we appreciate that time is precious and that it is sometimes easier to start the process by email. Because of this we have provided a preferred method of contact option below.

So, if you can find the time for a brief 5 minute call to start then we strongly recommend you give us a call.  We very much look forward to hearing from you soon.


First time buyer mortgage quote

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Mortgages can often be confusing. If you need some help then ring one of our first time buyer mortgage experts on

Our personal mortgage advisory service includes choosing the right mortgage for you and helping you through the whole process, right up to completion.

First time buyer mortgage - UK market news: Multiples increasing? Find out more in our Mortgage News section.

Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FSA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.