We’ll get to know you on a personal level, your plans, your budget, your questions.
Mortgages for First-Time Buyers, Made Simple and Personal
Friendly, clear support to help you get on the property ladder – from first plans to moving day and every step in between.
Our Solution
Buying Your First Home Can Feel Overwhelming, But It Doesn’t Have To Be
Finding your first home should be exciting and not confusing, stressful or rushed.
But confusing terms, complex paperwork and pressure to “get it right” can make the process feel overwhelming.
At AS Financial, we think about mortgage advice differently.
We don’t just “get you a mortgage.” We help you plan properly, understand your real options, and build a clear, achievable path toward owning your first home – no jargon, no judgement, just the guidance you need to get on the property ladder with confidence.
Before You Buy: What Every First-Time Buyer Should Know
We’ll walk you through all the things that matter, even the ones no one tells you about.
Your borrowing power
How lenders assess what you can borrow and what you can comfortably afford.
The real costs of buying
Deposits, surveys, legal fees and hidden extras, we help you plan for the full picture.
First-time buyer schemes
There are helpful initiatives, from Lifetime ISAs to 95% mortgages, we’ll explain your options without the hard sell.
Why protection matters
It’s not just about getting the keys, it’s about making sure you’re financially secure in your new home.
How We Help
First-Time Buyer Mortgage Advice, Done Right
We get that buying your first home isn’t just about numbers — it’s about feeling understood and supported. That’s why we:
Start with your goals.
Whether you’ve just started saving or are ready to buy, we meet you where you are.
Explain without the jargon.
You won’t be left Googling terms after our calls.
Tailor everything to you.
Your lifestyle, job type and deposit — it all shapes the advice we give.
Offer human, not scripted, support.
No bots or pushy sales tactics. Just real conversations that make sense.
Help you plan long term.
From protecting your home to reviewing your mortgage later, we’re with you for the journey.
Our Process
The AS Financial First-Time Buyer Journey
Here’s what working with us looks like:
01/
Getting To Know You
02/
Mortgage Readiness Check
We’ll help you understand your borrowing capacity, credit score, deposit options, and financial position.
03/
Mortgage Search and Recommendation
We search the whole market to find deals that fit your needs, explaining everything simply.
04/
Protection Planning
We talk openly about protecting your future with insurance advice that’s clear, human, and entirely optional.
05/
Application Support
We handle the application, paperwork, and lender follow-ups for you, reducing stress and saving time.
06/
Aftercare and Beyond
Even after you move in, we’re here to help with reviewing your mortgage, answering questions and supporting your next steps.
I found the whole idea of buying my first flat terrifying. AS Financial took me through every step, from working out my budget to explaining protection cover I hadn’t even thought about. They even helped me when a previous property fell through. Without their support, I don’t think I’d have managed it. Thanks to them, I’m now happily settled into my new place!
Hannah
First-Time Buyer, London
Need Help
First-Time Buyer FAQs
How much deposit do I need as a first-time buyer?
Most lenders require a minimum of 5-10%, but the more you can save, the better your options will be.
Can I get a mortgage with a small deposit?
Yes – there are specialist low-deposit mortgages and schemes like the 95% Mortgage Guarantee Scheme. We can help you explore them.
What government help is available for first-time buyers?
Options include Lifetime ISAs and the First Homes scheme. We’ll help you understand what’s right for you.
How long does it take to buy a property?
It varies, but on average, around 8–12 weeks once an offer is accepted. Planning and preparation can speed things up.