I want to simplify the mortgage process for first-time buyers as much as I can without missing anything out, so I have designed a short, practical 5-step mortgage checklist for people going through it for the first time. I hope this gives you some confidence, and if you need more, you know where to come.

Step 1: Check your affordability & budget

Work out how much you can comfortably spend each month on repayments, not just how much you can borrow. Don’t forget other costs council tax, insurance, service charges, and property management fees.

I removed the mortgage calculator from my website because I find them far too generic and not accurate enough, but a conversation with me is just as easy and you’re under no obligations.

Step 2: Get your deposit ready

Most lenders will want at least 5 - 10% of the property price as a deposit.

If you’re using a government scheme (like the 2025 Freedom to Buy 95% mortgage), check the eligibility rules carefully.

Keep your deposit in one account to show clear savings history.

Step 3: Review your credit profile

Check your credit report with a trusted resource and fix any errors early.

Avoid taking new credit or making late payments in the months before applying for your first-time buyer mortgage.

Consider registering to vote and keeping credit card balances below 30% of your limit.

Step 4: Get your paperwork in order

Lenders will ask for certain documents to prevent false mortgage applications and ensure that you are able to make your repayments.

Don’t worry if you’re self-employed as well as a first-timer, you’ll just a bit more paperwork to apply for your mortgage.

Step 5: Speak to a qualified mortgage advisor early

A personal whole of market mortgage advisor (i.e. me) can help you find the right deal to fit your circumstances. I can help you consider what improvements can be made to your credit file, explain the government schemes and how a mortgage in principal works.

These things might take time, so BEFORE YOU LOOK FOR A HOUSE, get the information and find out how much you can borrow.

Pro tip: Don’t wait until you’ve found your dream home to get mortgage-ready. You may be disappointed and buyers who prep early can often move faster when the right property appears.