Your First Home: Let’s Get You on the Ladder

Stop renting. Start owning. We make your first step the easiest one.

Buying your first home is an exciting milestone, but it can also feel overwhelming. Between "Decisions in Principle," "LTVs," and "Solicitors," it’s easy to get lost in the jargon.

At I J Mortgage Solutions, we specialize in helping First-Time Buyers navigate the market. We don't just arrange your mortgage; we guide you through the entire journey—from saving your deposit to the moment you turn the key in your new front door.

You Don't Have to Do This Alone

"Is this rate good?" "How much can I borrow?" "What happens next?"

When you go to a high-street bank, you speak to a salesperson who can only offer you their own products. When you work with I J Mortgage Solutions, you have an independent expert in your corner.

Since 2017, we have helped countless first-time buyers secure their dream homes. We answer the questions you are too afraid to ask and handle the stressful negotiations for you.

No "Silly" Questions: We explain everything in plain English.
Whole of Market: We compare thousands of deals to find one that fits your budget.
Budget Planning: We help you understand the real cost of buying (including solicitors and surveys), so there are no nasty surprises.

How We Help You Buy (The Process)

1. The "Affordability" Chat

Before you start scrolling through Rightmove, we need to know your budget. We look at your income and outgoings to calculate exactly how much you can borrow.

We secure a certificate from a lender stating they are willing to lend to you. This is your "Golden Ticket"—it proves to estate agents that you are a serious buyer, putting you ahead of the competition.

3. The House Hunt

You find the house; we check the numbers. Once you find a property, we check if it’s worth the asking price and if the lender will accept it.

4. The Application

We handle the paperwork. We submit your application to the lender, answer their questions, and chase them for updates so you don't have to spend hours on hold.

5. Completion

We work alongside your solicitor to ensure funds are released on time. We’ll even call you to celebrate when the keys are officially yours!

2. Decision in Principle (DIP)

Common First-Time Buyer Questions

How much deposit do I need?

Generally, you need at least a 5% deposit of the property’s value. However, putting down 10% or 15% often unlocks better interest rates and lower monthly payments. We will show you the difference in cost so you can decide what is best for your savings.

Can my parents help me? (Gifted Deposits)

Yes! This is very common. The "Bank of Mum and Dad" can gift you money towards your deposit. We can guide you on the simple form your parents need to sign to satisfy the lender's requirements.

What if I have bad credit?

Don't panic. High-street banks might say no to a missed payment or a CCJ, but as independent brokers, we have access to specialist lenders who look at the bigger picture. We have helped many clients buy a home when they thought it was impossible.

What fees do I need to pay?

Aside from the deposit, you should budget for:

Solicitor Fees: To handle the legal transfer of ownership.
Surveyor Fees: To check the property isn't falling down!
Stamp Duty: Note: First-time buyers currently get special relief on Stamp Duty (up to certain property values), potentially saving you thousands.