First-time Buyer

Making your first property purchase exciting, not stressful

First time buyer consultation

Your First Property Journey

Your first property should be one of the most exciting purchases you ever make and at Gascoine Hoare, we'll make sure that's the case.

At Gascoine Hoare, we're all too aware that if this isn't your job then it can be a process filled with jargon and fear of the unknown.

We'll hold your hand every step of the way, from finding out how much you can borrow, to making offers for properties, all the way through to actually having the keys in your hand.

We'll manage the whole process for you, from finding the most suitable deal and taking care of the relevant paperwork, through to you having keys in your hand!

We don't advise on protection or insurance ourselves, but we know it matters. Where you need buildings and contents, life insurance, critical illness cover or income protection, we'll refer you to a specialist firm who can take care of it.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Protection & insurance – referred services

Gascoine Hoare does not advise on protection or insurance products. Where you need life cover, critical illness cover, income protection or buildings and contents insurance, we will refer you to a specialist firm who can help.

Protection and insurance services are referred to a third party. Neither Gascoine Hoare Ltd or PRIMIS are responsible for the service received.

We receive a commission for referrals of this kind. Referrals are not regulated by the Financial Conduct Authority.

Mortgage cost calculator

Enter the amount, the interest rate you have been quoted and the term, to see what the monthly cost would be.

The rate you have been quoted or are comparing. We do not suggest one.

Fill in all three boxes to see the monthly cost.

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.

Why Choose Us for Your First Purchase?

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Personal Guidance

We understand this is new territory and provide clear, jargon-free advice throughout your journey.

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Complete Management

From initial consultation to keys in hand - we manage the entire process for you.

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Trusted Referrals

For protection and insurance we'll put you in touch with a specialist firm we trust.

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Expert Knowledge

Up-to-date knowledge of first-time buyer schemes and the deals available.

Your First-Time Buyer Journey

1

Initial Consultation

We assess your financial situation and discuss your property goals and preferences.

2

Affordability Assessment

We calculate how much you can borrow and explore available government schemes.

3

Mortgage Search

We find the most suitable mortgage deal for your circumstances and needs.

4

Application Support

We help with paperwork, liaise with lenders, and keep you updated throughout.

5

Protection Referral

Where cover is needed, we refer you to a specialist who can protect your new home and income.

6

Completion & Beyond

We support you through completion and provide ongoing advice for the future.

Frequently Asked Questions

How much deposit do I need?

Typically 5-20% of the property value, though some schemes allow lower deposits. We'll help you understand all options available.

What government schemes are available?

Availability depends on your circumstances and location. We will talk you through the schemes open to you at the time you apply.

How long does the process take?

Typically 8-12 weeks from offer acceptance to completion, though this can vary based on the chain and surveys.

What additional costs should I expect?

Stamp duty, legal fees, survey costs, insurance, and moving expenses. We'll help you budget for all costs involved.