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Mortgages for First Time Buyers

  • From 5% Deposit
  • From 0% Deposit with Parental Assistance
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  • Common Sense Underwriting
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Mortgages for First Time Buyers

The mortgage market for experienced borrowers can be daunting. For first time buyers it can be a minefield. There are now over one hundred lenders offering thousands of products and we know it is not clear where to start. Typically, our first time buyers tell us that they want a competitive mortgage deal. They appreciate that whilst the rate looks low on products they have been offered, once they build in lender arrangement fees, penalty charges, valuation costs and a range of incidentals, what looked a good finance deal, initially, turns out to be something more.

We focus on first time buyers who not only want their first home loan to purchase their first flat or house, but also want guidance and reassurance every step of the way. We will start the process with a detailed assessment of exactly the amount you can borrow. This will ensure the mortgage payments remain affordable, not just now, but importantly into the future, particularly if interest rates should rise.

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We generally obtain a finance decision in principle from the lender and this confirms that the lending is likely to be agreed and in the event you as a potential borrower, are viewing properties, it becomes an important document to show estate agents. The agreement in principle indicates both your ability to purchase the property and that you are serious, if you subsequently decide to make an offer on a new home.

The decision in principle will be accompanied by a full mortgage illustration and will outline the exact costs of the loan, the deposit to be provided and the monthly instalments. As a future homeowner, we will guide you on both capital and interest mortgages, also known as a repayments and interest only options. On an interest only first time buyer mortgage, you can look to repay the finance at the end of the term by way of investments you may have, such as a pension, premium bonus or an Individual Savings Account, known as an ISA.
 

We will consider all situations. We have particularly expertise for those recently self-employed, those on bonus or irregular commission income, contractor mortgages, including fixed term and zero hour contracts, those in receipt of benefits, those on the right to buy, unusual property types such as flats above commercial or high rise and those who require either a guarantor or a gift of deposit from a relative or close friend. We can also arrange mortgages for those with a missed payment on credit or other impaired credit file.

 

Whatever your personal circumstances, we will guide you through your purchase every step of the way and will help you collate all the necessary supporting documentation, complete the detailed application form on your behalf, submit the case to the lender, take you through the underwriting and valuation process and secure you a mortgage offer. This all maximises the chances of success.

 

To speak to one of our specialist first time buyer mortgage consultants, call us now or complete the online enquiry from and one of our consultants will make contact.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Rates are updated daily and can be withdrawn at anytime without notice by lenders.”

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Commercial Mortgages and some forms Buy to Let mortgages are not regulated by the Financial Conduct Authority.
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I agree for my personal information to be treated as confidential and held in accordance with the Data Protection Act 2018 (DPA 2018 also know as GDPR) in order to be contacted with details of services and products in writing, by email or telephone by Rockhopper Mortgages and its agents

 

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Excellent Service

Outstanding from start to finish. Great communication throughout. They fully explained everything an....
For service -  Resi/Remo/8 Main Drive
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Really happy with the service given much appreciated thank you

By: Steven Brown
Friendly and polite service kept me informed on what was going on Really happy with service given th....
For service -  Resi/Remo/ Keep Hill Close
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Amazing

Very helpful, and took the stress out of finding a mortgage that suited us. David and Alex were amaz....
For service -  Resi/Purchase/Field Gate Close
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Excellent service, really felt involved and well informed,thoughout

By: Kathryn Thompson
Very professional, communication excellent, David and Alex were lovely to work with, I had full co....
For service -  Resi/Purchase/Roehedge
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knowledgable and easy

By: Bramadarshan Ganesan
Thank you for your help withthe mortgage.....
For service -  Resi/Purchase/Hebron Court
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Knowledgable & Trustworthy

By: Zara Truscott
My partner had previously used Rockhopper and was thoroughly satisfied with the service from David. ....
For service -  Purchase/37a Leek Road
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Great communication and efficient handling of mortgage application!

Great service from David and Alex. Found us as good a deal that was available to us at the time, spe....
For service -  Resi/Remo/Victoria Avenue
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Excellent service

Calm and efficient service. Good communications. All went according to olan.....
For service -  Resi/Purchase/Barclaugh Drive
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Returned customer. Very Professional and Knowledgeable Mortgage brokers.

I have always been impressed by the professionalism of the brokers at RockHopper. I worked with them....
For service -  Resi/Remo/Waverley Avenue
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Excellent Service. Would highly recommend.

I received excellent service from David & Alex. Great communication and very efficient, it was a ple....
For service -  Resi/Purchase/Brighton
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Very professional and found us a solution when other brokers couldn't.

David spent time finding a solution for our non standard requirements which other brokers could not ....
For service -  Resi/Remo/Cherrington
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All thanks to Rockhopper, we have just completed on our new home...

By: Graham Fisher
We've just completed on our new home and its all thanks to Rockhopper. Our circumstances are not the....
For service -  Resi/Purchase/Newtown
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Efficient, transparent and helped us get a mortgage when no one else could!

By: Nzinga Akinshegun
Very efficient. Both David and Alex went above and beyond to get us a mortgage. They would answer em....
For service -  Resi/Purchase/Hamslade Cottage
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Great Service, Patient and Helpful.

By: Edward Impey
Kept us informed, looked at different options but mainly sourced us finance where everyone else stru....
For service -  Resi/Purchase/Hamslade Cottage
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Highly Recommend

Great service, unfortunately hampered by terrible service from the lender. David went the extra mile....
For service -  Product TX/Dale Street
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Rockhopper is awesome!

By: Tracey Yoko
Service and communication always professional and efficient. David and Alex were a pleasure to deal ....
For service -  FTB/BTL/Purchase/St Georges Gate
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Excellent service

By: Alistair Myles
RockHopper were efficient and effective and I would not hesitate to recommend them.....
For service -  ProductTX/Westcote Road
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Rockhopper was great service to arrange out mortgage. We found great options quickly and they helpe....
For service -  Resi/Remo/Cleveland Road
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David Rostron helped us finding the perfect mortgage. Highly recommend.

By: Ivor Du Merwe
Service was great and David knows literally everything in the mortgage market.....
For service -  JASP:Resi/Purchase/Woodlands House
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Excellent customer service

By: Christopher Spicer
Great services from start to finish from Alex & David. Good communication and dealt with everything ....
For service -  Resi/Purchase/Bruneval Gardens
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RockHopper Mortgages is a trading style of RockHopper Origination Limited, an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let mortgages and Commercial mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office:Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

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