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HTG Mortgages

HTG Mortgages

First-Time Buyer Mortgages in Hampshire and Beyond

First Time Buyer Mortgage Broker

Buying your first home is an exciting milestone, but it can also feel overwhelming. At HTG Mortgages, we understand the unique challenges first-time buyers face, and we’re here to make the process as smooth and stress-free as possible. Our goal is to help you achieve your dream of homeownership with confidence and ease by helping you with your first-time buyer mortgages in Hampshire and across the UK, and by connecting you with the very best lenders for first-time buyers.

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About

Our approach.

Why choose HTG Mortgages?

Personalised Guidance Every Step of the Way

From the moment you start dreaming about your first home to the day you receive the keys, HTG Mortgages is by your side. We offer personalised guidance tailored to your unique needs and financial situation. Our experienced advisors take the time to understand your goals, answer your questions, and provide clear, honest advice to help you make informed decisions.

Tailored Mortgage Solutions

Finding the right mortgage can be daunting, especially with so many options available. We simplify the process by offering tailored mortgage solutions that fit your specific circumstances. With access to thousands of mortgage products from over 90 high-street lenders, we ensure you get the best possible rate and terms for your needs.

Comprehensive Support

We believe in providing comprehensive support throughout your home-buying journey. Our dedicated team will assist you with every aspect of the mortgage process, from initial consultation to final approval. We handle the paperwork, liaise with lenders, and keep you updated every step of the way.

Educational Resources

We empower first-time buyers with the knowledge and tools they need to make confident decisions. Our website offers a range of educational resources, including guides, articles, and FAQs, designed to help you understand the mortgage process, budgeting tips, and the steps to getting your first-time buyer mortgage in Hampshire, Dorset, and beyond.

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Ready to take the first step? Get expert advice tailored to you. No obligations, no pressure. Fill out the form and let’s make it happen!

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Our Commitment to You

At HTG Mortgages, we are committed to helping you achieve your homeownership dreams. We pride ourselves on our transparent, customer-focused approach and our dedication to providing the highest level of service. Your satisfaction and peace of mind are our top priorities. That’s why so many turn to us for guidance on first-time buyer mortgages in Hampshire and Dorset.

Book Your Free Consultation

Ready to take the first step towards owning your first home and work with the best lenders for first-time buyers? Book a free consultation with one of our expert advisors today. We’ll help you navigate the mortgage process, explore your options, and find the perfect solution for your needs. Let HTG Mortgages be your trusted partner on your journey to homeownership.

Why use HTG’s mortgage services?

Available 24/7, so we are always there to help when you need us

We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages

We provide unrivalled customer service, ensuring that you get the care you deserve

Start your new financial journey with us

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Frequently Asked Questions

Have another question?

A first-time buyer mortgage is specifically designed for individuals who are purchasing their first home. These mortgages often come with special incentives, lower deposit requirements, and competitive interest rates.

The deposit required for first-time buyers typically ranges from 5% to 20% of the property’s purchase price. However, the exact amount can vary depending on the lender and mortgage product. Choosing the best lender for first-time buyers can often help reduce these requirements.

Yes, it is possible to get a mortgage with a low credit score, but it may limit your options. It’s essential to speak with a mortgage advisor who can help find lenders willing to work with your credit situation.

The Help to Buy scheme is a government initiative that assists first-time buyers in purchasing a home with a smaller deposit. It includes equity loans and shared ownership options.

The amount you can borrow depends on factors such as your income, outgoings, credit score, and the deposit you have saved. Using a mortgage calculator can provide an initial estimate, but a mortgage advisor can give a more accurate figure.

As a first-time buyer, you will need to budget for various fees, including mortgage arrangement fees, valuation fees, legal fees, and potentially stamp duty, depending on the property’s price.

The mortgage approval process can take anywhere from a few weeks to several months, depending on the complexity of your application and the lender’s requirements. Pre-approval can speed up this process.

Commonly required documents include proof of identity, proof of address, income verification (such as payslips or tax returns), bank statements, and details of any existing debts.

A fixed-rate mortgage has an interest rate that remains the same for a set period, typically 2 to 5 years. This provides stability and allows you to budget your monthly repayments without worrying about rate changes.

A mortgage advisor can guide you through the entire home-buying process, from assessing your financial situation to finding the best mortgage deals and assisting with the application. Their expertise can save you time and potentially money.

Get in touch

01425 203055

info@htgmortgages.com

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Operating across the UK