First-Time Buyer Mortgages in Greenwich

🏠 Helping You Step Onto the Property Ladder Across SE10

Buying your first home in Greenwich is an exciting milestone — but it’s normal to feel uncertain about mortgages, paperwork, or even how much you can borrow. Whether you’re looking at a riverside apartment in Woolwich, a Victorian terrace in Charlton, or a new-build in Kidbrooke Village, we provide support tailored to first-time buyers across the SE10 area.

From helping you understand affordability to walking you through the steps from enquiry to offer, we’ll make sure you feel supported and informed from start to finish.

🤝 How We Help First-Time Buyers

• 📊 Calculate how much you could borrow and what your repayments might look like
• 🏦 Explore mortgage deals based on your deposit and credit profile
• 📄 Support you with paperwork and lender requirements
• 📍 Provide local knowledge of Greenwich property prices and lender expectations

🏡 Types of Mortgages Available for First-Time Buyers

• 🔐 Fixed-rate and tracker mortgages
• 💷 Low-deposit options, including 5% deposit (95% LTV) mortgages
• 👨‍👩‍👧 Family-assisted or guarantor mortgages
• 🏠 Shared Ownership and First Homes scheme support

📈 How Much Can I Borrow?

Most lenders will offer around 4 to 4.5 times your annual income, but the actual amount can vary depending on your deposit size, financial commitments, and credit history. Some specialist lenders may stretch this further depending on affordability calculations.

We can help you estimate your borrowing range and understand what kind of monthly payments you could expect. Whether you’re employed full-time, self-employed, or have multiple income sources, we can help you explore what’s possible.

📍 Step-by-Step: What the Process Looks Like

1. Initial Consultation

We start by understanding your goals, savings, and income. This helps us outline what’s realistic for your first property and what products may be suitable.

2. Affordability Assessment

We’ll work through figures to assess your borrowing potential, factoring in income, outgoings, and credit score. You’ll get a clear view of what price range to aim for.

3. Mortgage Option Review

We help you explore different types of mortgages — from fixed deals with budgeting stability to flexible tracker options. We’ll explain each clearly so you can make an informed decision.

4. Application Support

Once you’ve chosen a product, we guide you through the full application process — including required documents, lender forms, and solicitor coordination.

5. Offer and Next Steps

Once approved, we help you understand the mortgage offer, next steps in the legal process, and key dates. We’ll stay on hand right through to completion.

🚧 Common First-Time Buyer Challenges — And How We Help

Low Deposits

If you’re working with a 5% or 10% deposit, we’ll show you which lenders offer suitable products and what the repayment impact will be.

Credit History Concerns

Minor credit blips don’t always mean a decline. We can explain which lenders are more flexible and how to improve your profile if needed.

Unusual Income

From freelancers to contractors to joint applications, we help assess your income accurately and match it to the right lender criteria.

Confusing Schemes

We can help you understand Shared Ownership, the First Homes Scheme, or how family assistance mortgages work — including gifted deposits.

🌍 Why Choose Us for Your Greenwich Mortgage?

We bring deep local knowledge of the Greenwich, Woolwich, Charlton, Kidbrooke and Maze Hill markets, along with a friendly, supportive approach to first-time buyer mortgages.

• ✔️ Experienced team supporting buyers across SE10 and SE18
• ✔️ Transparent process with no jargon or confusion
• ✔️ Responsive communication at every stage
• ✔️ Local insight that helps align your mortgage with the property types in the area

❓ First-Time Buyer FAQs

💰 What’s the minimum deposit required?

Most lenders require at least a 5% deposit, though a larger deposit can open up better rates and a wider range of mortgage products.

📆 How long does the mortgage process take?

It typically takes 4 to 8 weeks from submitting your application to receiving a formal mortgage offer, depending on the lender and conveyancing process.

👩‍💼 Can I get a mortgage with a low income or non-standard employment?

Yes — many lenders consider contractors, self-employed individuals, and joint applications. We can help you find mortgage options that suit your circumstances.

📞 Ready to Get Started?

If you’re buying your first home in or around Greenwich, let’s talk. We’ll help you explore your options clearly and confidently — from budget planning to mortgage application.

📩 Get in Touch Today