Buying your first home can be daunting, but Sentinel Financial makes it easier with clear advice and trusted mortgage deals from top UK lenders.
If you’ve never had a mortgage, are currently renting, or live in social housing, you’re classed as a first-time buyer. Even if you’ve been off the property ladder for the past three years, some lenders may still consider you a first-time buyer.
Mortgage terms like Loan to Value (LTV) and fixed or variable rates can sound complex, but we make them simple. At Sentinel, we break down the technical details, helping you understand your options needed clearly before you make your move.
Note: Your home or property could be repossessed if you do not keep up repayments on your mortgage or other loans secured against it.
Simply put, a mortgage is a loan used to buy a property. It’s typically repaid over 25 to 30 years, although some lenders offer longer terms. Because the loan is secured against the property, your home could be repossessed if you fail to keep up with repayments.
The amount you can borrow depends on several factors, including:
If you’re a first-time buyer, you’ll likely choose a repayment mortgage. This means each monthly payment covers both the interest and part of the loan amount. By the end of your mortgage term, provided all payments are made, you’ll own your home outright.
When it comes to rates, your Loan to Value (LTV) ratio plays a big role. This simply shows the ratio of equity you own in a property. For instance, a 5% deposit gives you a 95% LTV, while a 10% deposit means 90% LTV.
You can choose from Fixed Rate, Variable Rate, Base Rate Tracker, or Offset mortgages, depending on what suits your budget and goals.
Understanding your credit profile is an important first step before applying for a mortgage as it helps to understand how lenders see you. Your credit report highlights your financial history, any missed payments, and factors that may affect your application.
Reviewing it early lets you correct inaccuracies, improve your score, and move forward with clarity.
Let’s explore how much you could borrow, mortgage options, and start shaping your first mortgage plan. Contact us now for an initial review.
Discover the best first-time buyer mortgage deals tailored to your circumstances. We compare lenders, deposits, and terms so you can move forward with confidence.
As an experienced mortgage broker for first-time buyers, we’ll ensure your application process is smooth, transparent, and aligned with your goals.
From application to moving day, we’ll handle the details and paperwork so your home-buying journey feels smooth and stress-free.
Access a wide range of lenders, from high-street names to niche specialists, so you’re never limited to one-size-fits-all deals
We break down complex terms and explain in a clear, simple way, helping you make confident, informed decisions every time.
Here’s proof that our advice and service truly deliver, with experiences from clients who found clarity, confidence, and results with Sentinel Financial.
From start to finish, Zie has provided an outstanding bespoke mortgage service. He is professional, thorough and incredibly knowledgeable. Every step of the mortgage process was clear, well communicated and stress-free.
When I was searching for my new home Zie was an incredible help throughout the entire process. He guided me from start to finish, helping me understand and offering valuable advice during the process.
Zie made the whole mortgage process effortless. He explained everything clearly, kept me updated at every stage, and found us a fantastic deal. I couldn’t recommend him highly enough!
I’ve dealt with a few brokers before, but Zie really stands out. He’s professional, approachable, and genuinely cares about getting the best outcome for his clients. The remortgage was stress free from start to finish.
Working with Zie was a breath of fresh air! He made everything easy to understand, kept communication clear, and went above and beyond to get our mortgage sorted quickly. Highly recommend Sentinel Financial.
As a portfolio landlord buying through a limited company, I needed a broker who knew what they were doing. Zie’s knowledge of lender criteria and company structuring was spot on. He saved me time, money, and a lot of stress, highly recommended.
I arranged both life and income protection through Zie, and I’m so glad I did. He made the whole process straightforward, and I now feel confident that if anything unexpected happens, my family and finances are protected.
We’re here to help whether you have questions, need advice, or want a quote.
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