First Time Buyer Mortgages

If you’re buying your first home, mortgage advice can seem complicated and overwhelming.  At Stan Sherlock Associates, our first-time buyer mortgage advice will help you understand the process and support you to achieve your dream of owning your first property.

Buying a home is likely to be the biggest financial undertaking you’ll ever make and many first-time home buyers are understandably concerned about the commitment and risks involved.

Our friendly specialist mortgage advisers will take the time to understand your needs and worries and hold your hand from start to finish.

We will review your circumstances and look at your income, debt, day-to-day outgoings, employment and the size of your deposit to assess what you can afford to borrow now and in the future. We’ll talk you through the types of mortgages we think are right for you and the lenders available to you.

Sophie McMillan - Mortgage Adviser at Stan Sherlock Associates Ltd - Financial Planning Consultants in Carlisle
Sophie McMillan:
Mortgage & Protection Adviser

We’ll also ensure you understand your mortgage offer and the longer-term financial implications of that deal including how it could be affected by changing circumstances, such as interest rates or overpayments.

We can access deals and incentives, which may include cashback on your mortgage, reduced mortgage interest rates or lower levels of deposit against your property value.  We know the first-time mortgage advice we offer you as a new home buyer is vital to help you find the right mortgage and achieve your dreams and we take that role very seriously!

First time buyer? The Help to Buy scheme could be for you:


Lifetime ISA

If you're aged 18 – 40, you can save into a Lifetime ISA to help you buy your first home and save for your future.

You can save £4,000 a year into your Lifetime ISA until you're 50 and the government adds a 25% bonus to the money you save, up to a maximum of £1,000 annually.

Need to know more? Get in touch with our team:

Mortgage Advice Services in Carlisle, Cumbria

Why work with us?

At Stan Sherlock Associates, arranging a mortgage is not a one-off transaction. We aim to build long term relationships with our clients and provide you with an advice service over the lifetime of your current mortgage, and beyond, which ensures you always have the right deal for your situation.

Although based in Carlisle, our clients come from much further afield. We regularly work with clients from across Cumbria (including Kendal, Keswick, Penrith, Whitehaven and everywhere in between), the Scottish Borders and North East England.  Many of our mortgage advice services can be provided by phone and email but our mortgage advisers are always happy to meet you face to face.