top of page


Where do you start?

It might seem obvious, but first-things-first, let us help you understand what you can afford before you even start looking at properties. We can show you:


  • How much you need upfront for your deposit & buying costs

  • How much you can borrow

  • What the monthly costs could look like


We will explain and simplify the process for you and whether you're buying a house, a flat or a property through a Government Scheme, we will hold your hand all the way through to picking up the keys to your new home (and beyond!)

First Time Buyers: Our Services
First Time Buyers: Our Services
first time buyer mortgage process


Simple Steps

We help you understand the process step-by-step


As our infographic helps you visualise, we take care of the majority the process on your behalf, whilst keeping you updated and informed throughout 

Every situation is different, and whilst we can’t guarantee how long it will take… on average it can take 3-4 months from application to completion…

First Time Buyers: List


Lenders will need some documentation from us to help demonstrate that you can afford the mortgage we request. Whilst we'll discuss with you during our initial call, if you can prepare the following documents (preferrably scans or electronic versions) it will save time and ensure a smooth process.

We'll provide you with a secure portal to send your documents over to us when required.


Scanned copy of your Passport or Driving Licence


Recent Utility Bill, Council Tax Bill or Bank Statement


  • Employed Clients - Latest 3 Monthly Payslips and Latest P60

  • Self Employed Clients

    • Latest 2 Years Accounts, or

    • Latest 2 Years HM Revenue & Customs (HMRC) Tax Calculation accompanied by corresponding Tax Year Overviews


Latest 3 Full Months Bank Statements for all active current accounts - showing both salary credits and outgoings (direct debits, standing orders etc)


  • Bank / Savings account statement showing gradual build up of funds

  • For gifted deposits from a family member, we'll need a signed letter from them confirming it's a non-refundable gift.

First Time Buyers: Contact

What you need to know

There may be a fee for arranging a mortgage, typically £199 for Residential and Buy-to-Let remortgage applications, £375 for residential and buy-to-let purchase applications and £499 for applications with specialist lenders due to adverse credit. Fees are payable upon receipt of your Mortgage Offer from the chosen lender. 

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


The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.


The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.


MHC Mortgage & Protection Ltd is an appointed representative of HL Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority. HL Partnership Ltd is entered on the FCA register under reference 303397

MHC Mortgage & Protection Ltd is registered in England and Wales - 12067840 – Registered address – 13 Aurum Close, Whitstable, Kent. CT5 3FN

bottom of page