First Time Buyer Guide: Hints and Tips To Get You On The Property Ladder

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First Time Buyer Mortgage Advice

Buying your first property is a big decision, so it’s important that you understand the journey you are about to embark on. At first, it might seem quite a daunting affair, but it doesn’t need to be difficult. Here we’ll provide you with some hints and tips specific to first time buyers, to help you understand the process and make the right choices for your circumstances. You might be thinking there’s little point in reading this guide as you’re planning on using one of our fantastic mortgage advisers to help you out – whilst that wouldn’t be the worst plan in the world, arming yourself with the basics before speaking to one of our advisers will certainly help you get the most of your first consultation meeting.

Why get a mortgage?

The reason most first-time buyers decide to get a mortgage is because they want to buy a property, and don’t have access to the funds to be able to buy a property outright. But why not be patient, why get a mortgage? Surely you can just save up until you have enough money to buy a house? That would certainly be an option, but unfortunately, property prices historically have risen significantly and so unless you’re prepared to wait many years, saving up a large sum of money may not be the right solution. A mortgage can help you get onto the property ladder sooner, and by spreading the cost of your mortgage over a period of time, it can make your monthly payments manageable.

What is a mortgage?

A mortgage is a loan that you take out from a bank, building society or specialist lender to purchase a property. The mortgage is secured against the property, meaning that if you do not repay the mortgage, the lender can take back the property. This helps to reduce the risk to the lender, and this helps them to charge lower interest rates for your mortgage keeping your repayments lower and potentially allowing them to lend you more money.

What are the different types of mortgages?

There are a few different types of mortgages available to first time buyers and it’s important to find the one that is right for you. The main types of mortgages are:

  • Repayment mortgage: this is the most common type of mortgage. With a repayment mortgage, you repay the loan over a set period of time, usually 25 to 35 years. The payments you make pay the interest charged by the lender, as well as paying off the outstanding loan (sometimes referred to as the capital). This mean that come the end of your mortgage term you own your home outright.
  • Interest-only mortgage: with this type of mortgage, you only pay the interest on the loan each month and do not pay off any of the loan itself, As a result at the end of the term you don’t own your home. As such this type of mortgage would rarely be recommended to you as a first-time buyer.

There are also a range of different types of mortgage product available, each have their own pros and cons:

  • Fixed rate mortgage: with a fixed rate mortgage, the interest rate you will be charged will stay the same for the entire length of the deal. This can give you security and comfort in knowing what your repayments will be for a fixed period, usually between two to five years.
  • Tracker mortgage: with a tracker mortgage, your interest rate will be set to follow some form of economic indicator, usually the Bank of England’s base rate, plus a certain percentage, for example your deal may be set at the “Bank of England rate plus 1%”. This would mean if the Bank of England base rate was 0.5% your mortgage would be 1.5%. However, it’s important to be aware that because your deal “tracks” the Bank of England base rate, your repayments could go up or down if the Bank of England changes its base rate.
  • Variable rate mortgage: a variable rate mortgage is similar to a tracker mortgage in that your interest rate can go up or down, however in this instance the rate is set by the lender and so can be more unpredictable. Lenders usually put you onto their standard variable rate when your deal ends. However, it’s possible for you to fix back in for a new deal if you wish, either with your existing lender, or a new one if better rates are available elsewhere. This is known as a remortgage.

It is important to remember that fixed rate mortgages can offer peace of mind from the possibility of increasing interest rates which is often important to first-time buyers, whereas on a tracker or variable rate deal, if interest rates do go up so will your repayments.

What is a first-time buyer?

A first-time buyer is someone who has never bought a property before. In this case that could be a single person who has never owned a home (anywhere in the world), a couple where neither person has ever owned a home, or someone who has previously owned commercial property like a shop or office but not a residential property.

Understanding your credit rating

When applying for a mortgage it is important to be aware of your credit rating. Your credit rating is a score that reflects your current financial situation and how reliable you are when it comes to repaying debt, which is based on how you have repaid debt in the past.

Firstly we’d recommend getting hold of a copy of your credit report. You can get a copy of your credit report relatively inexpensively online from a variety of companies.

It’s important to check your report thoroughly to make sure it’s correct and that there’s nothing in there that you don’t recognise. If you do find any mistakes, make sure you contact the credit rating company straight away to get them corrected.

If you have a good credit rating, this will show lenders that you’re a low-risk borrower and could mean you’re more likely to be offered a better mortgage deal. However, even if your credit rating is not perfect, don’t worry – there are still mortgages available for first time buyers with bad credit.

There are a few things you can do to improve your credit rating:

  • Register for the electoral roll;
  • Keep your application for other credit to a minimum in the run-up to your application for a mortgage;
  • Never withdraw cash on a credit card;
  • Make sure you pay any lending commitments or credit card payments you have on time;
  • Be patient: CCJ ‘s and defaults can stay on your credit file for up to six years. However, this does not mean all is lost, by working to improve your credit rating you can show lenders that you’re committed to turning things around;
  • Stay out of your overdraft;
  • Avoid payday loans;
  • Consider closing unused credit cards.

How much deposit will I need?

The amount of deposit you’ll need as a first-time buyer will depend on the overall cost of the property you’re buying, as well as the lender’s requirements. Generally, you’ll need to provide at least 5-10% of the property’s value as a deposit, although some lenders may require a larger deposit (up to 20% or more).

Government schemes:

If you’re a first time buyer there are various government schemes available to help you get on the property ladder:

  • LISA (Lifetime ISA): a Lifetime ISA (LISA) lets you save up to £4,000 a year towards your first home (or for retirement if not used for a home), with the government adding a cash bonus of up to £1,000 a year on top. (Rates and allowances can be subject to change. Please check on the government website for the latest guidance.)
  • Shared Ownership: a way of buying a property where you part-own and part-rent it from a Housing Association. You will usually need a deposit of between 5-10% and will then pay rent on the remaining share. You can purchase more shares in the property over time until you own it outright.
  • Right to Buy: this gives tenants the chance to buy their rented home at a discounted price.

You can also take advantage of gifted deposits which is where friend or family can gift you part of their savings to put towards your deposit. Alternatively there are guarantor mortgages available where a family member or friend guarantees to repay the mortgage if you are unable to.

Find out how much you can borrow

You can get a rough estimate for how much lenders might lend you using our handy first-time buyer mortgage borrowing calculator. For a better idea of what you’ll be able to borrow, we recommend you get in touch. Your personal mortgage adviser will be able to give you advice on how much you’ll be able to borrow. Additionally, your mortgage adviser will be able to provide you with an Agreement in Principle (AIP) which is confirmation of the maximum amount you could borrow from a specific lender. Once you’ve got an Agreement in Principle, you’re ready to make an offer on your first home! (It’s worth pointing out how that an AIP or Decision in Principle (DiP) does not represent a binding offer from the lender.) If you already know how much you’re likely to borrow, but want to get an idea about the potential repayments then you’re in luck, we’ve got a handy calculator for that too.

Making an offer on a property

Your mortgage broker can help you put offers forward for your new home and negotiate on your behalf.* Once your offer has been accepted your solicitor will need to carry out checks on the property known as searches, these are to ensure that there’s no hidden problems with the property that could affect your purchase.

*The service promoted here is not part of The Openwork Partnership offering and are offered in our own right. The Openwork Partnership accept no responsibility for this aspect of our business. This service is not regulated by the Financial Conduct Authority.

Arranging a valuation

After the searches have been completed and any issues raised have been dealt with, you’ll need to arrange and pay for your mortgage valuation, although in some cases your lender may cover the costs of the valuation for you. A mortgage valuation is a type of survey where a professional looks at the property on behalf of the lender to ensure that the property is a good security to lend against in doing so ensuring it’s worth the amount you are borrowing. There are however other more comprehensive survey types for example a Homebuyers Report which is more detailed and looks at the condition of the property, or alternatively a Full Survey which is the most detailed and looks at everything including the condition of the property, the land it’s built on and any potential problems.

What documents will you need for your mortgage application?

Your mortgage adviser will be able to provide you with a list of the documents you’ll need to submit as part of your mortgage application. Most lenders will require:

  • A copy of your ID (i.e. passport or driving licence)
  • A recent utility bill or bank statement
  • 3 months bank statements
  • Your last 3 months payslips (if employed)
  • Your P60s for the last 2 years (if employed)
  • Accounts/SA302’s (if self employed)
  • Details of any existing credit agreements or loans

Once you’ve submitted your mortgage application, your lender will carry out a number of checks on your eligibility and the property you’re buying. This process can take anywhere from 2-8 weeks, so it’s important to be patient.

What fees are involved?

Mortgage Product Fee: This is a one-off fee that you’ll have to pay when you take out your mortgage. It’s usually charged by the lender and can be anywhere from nothing to £2,000.

Mortgage Broker Fee: our mortgage brokers don’t work for a single lender, instead they compare the deals across thousand of mortgage products and then give you their advice on which mortgage deal is right for you. The broker fee is to cover their time and professional expertise in providing you with this advice. Belle Maison Mortgage Solutions are a fee charging company. However, there is no charge for the initial consultation and no obligation to proceed after the initial consultation. Should you wish to proceed then the fee and the timing of payment will be agreed with you.

Arrangement Fee: This is another type of fee that’s charged by lenders, and it’s for the costs involved in setting up your mortgage. It can be between £99 and £999.

Solicitors Fees: A solicitor is a professional who will work with both you and the lender when drawing up your mortgage agreement. Solicitors fees vary depending on where in the UK you live, but they can be between £300-£1,000 or more.

Valuation Fee: When your mortgage is in place, you’ll usually need to pay for a valuation of your home (and sometimes additional valuations). These are carried out by professionals called ‘surveyors’ and the cost ranges from around £150-£500 depending on the type of valuation you have done.

Stamp Duty: Stamp Duty is a tax that’s charged on all property purchases in the UK. For first time buyers there is no stamp duty on properties worth up to £300,000. If you’re buying a property over £300,000 there will be stamp duty to pay of 5% on the amount between £300,000-£500,000 and 10% on the amount over £500,000. (Rates subject to change.)

First Time Buyer Mortgage Jargon Buster:

  • Loan: this is the actual amount that you will be borrowing.
  • Term: the number of years over which you will repay your mortgage.
  • Deposit: When you buy a property, lenders require that it is ‘secured’. A deposit acts as security against the purchase and helps reduce the risk to the lender in case you cannot repay your mortgage. Lenders tend not to lend up to 100% of the cost of a property (so-called ‘loan to value’ or LTV) and usually require that borrowers can afford a deposit equivalent to between 5-20%.
  • Mortgage provider: this is whatever company or institution that gives you your mortgage. They will hold security over your home until you have cleared all monies owed to them.
  • LTV: LTV is an abbreviation for Loan to Value, which refers to the percentage of the value of your property that you are borrowing. For example, if you got a mortgage to buy a £100,000 home and took out a mortgage worth 80% of the property value (£80,000). The LTV would be 80%.
  • APRC: this stands for Annual Percentage Rate of Charge and is an average measure of the total cost associated with a mortgage over the full term. Many lenders now use this as their primary way of advertising mortgages as it provides consumers with an easily comparable figure that gives a good indication of your monthly repayments.
  • Conveyancer: a legal professional who deals with the transfer of property ownership between sellers and buyers.

Post approved by The Openwork Partnership on 13 February 2023

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Faith Yearwood
July 18, 2024

Review for Paula, My Mortgage Advisor, and Louise, Her Assistant I had the pleasure of working with Paula, my mortgage advisor, and Louise, her dedicated assistant. From the moment they picked up my case, they demonstrated exceptional commitment and professionalism. Last-Minute Weekend Assistance: When my mortgage application hit a critical point over the weekend, Paula and Louise stepped in promptly. Their availability and willingness to work during non-business hours were truly impressive. Guidance Every Step of the Way: Paula and Louise guided me through the entire process, ensuring I understood each stage. Their expertise helped me navigate complexities, and their patience eased any anxieties I had. Efficiency and Speed: Paula’s knowledge of lenders and mortgage processes, combined with Louise’s organisational skills, ensured that my case progressed swiftly. They worked tirelessly to secure my mortgage offer and kept me informed at every turn. Personalised Service: Paula and Louise didn’t treat me like just another client. They took the time to understand my unique situation and tailored their advice accordingly. Their personalized approach made all the difference. Completion Date Achieved: Thanks to their dedication, I’m thrilled to announce that my completion date is set for tomorrow! Paula and Louise turned what could have been a stressful experience into a smooth journey. In summary, Paula and Louise are an exceptional team. Their commitment, expertise, and genuine care for their clients make them stand out. I wholeheartedly recommend them to anyone seeking mortgage advice. Thank you, Paula and Louise! 🙌

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Rosy Bingham
June 29, 2024

Paula and Louise made buying our first house an enjoyable experience. They guided us through the process and made sure every box was ticked. We didn’t think we would be able to buy a house yet because of the nature of our work contracts, but this was made possible by the expertise at Belle Maison. We can’t thank them enough and recommend their services without hesitation ⭐️⭐️⭐️⭐️⭐️

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Ashley Nicholson
June 10, 2024

Jodie has made the process of our mortgage renewal really easy and took care of everything for us. Thank you Jodie for everything 🌟🌟🌟🌟🌟

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Jemma Perks
June 7, 2024

Paula and Louise have been absolutely fantastic at helping us secure our first mortgage. They explained the steps of becoming a home owner in a simple, yet thorough way, which was easy to understand. We wouldn’t have felt confident taking the big leap into home ownership without their help. As someone who had temporary work at the time, I didn’t think it was possible to get a mortgage, but they made it possible. Thank you, we really can’t recommend Belle Maison enough!!

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Andy Ward
June 6, 2024

Highly Recommended. Claire and then Louise extremely helpful in the whole process. Without them I simply wouldn't have been able to move into my new house. Can't Thank them enough for all their help and support. Thank You.

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MATTHEW BIDDLE
May 29, 2024

Jodi was absolutely brilliant and made everything as seamless as possible. Highly recommend! Thanks again for getting us the best mortgage deal :)

Jodi was the third mortgage advisor I had tried in order to remortgage and then potentially sell my house. She was the only one who managed to complete the process with me and fully understood our rather complex situation. Thought out the process she was helpful, easily contactable and her skills and experience definitely made the situation less stressful. I’m already using Jodi again for my next project ☺️

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Simon Bennett
May 15, 2024

A fantastic service provided by Paula and Louise. Kept up to date through the entire process and all of our questions answered. I would definitely recommend the company and team, and already have done. Thank you again.

Absolutely fantastic experience with Paula and her team, super efficient, quick and friendly! Everything was sorted so efficiently from the first appointment through to completion of our re-mortgage! Keep up the awesome work Paula you are a fantastic lady and I wouldn't hesitate to recommend you! x

Paula has been amazing from the very first call that we had together. She thoroughly explained everything that would be involved and found a great deal for me. We were 3 months out from my mortgage ending at our first call.. and she continually kept checking for better deals for me until the switch over. Paula was always on hand and very responsive to any queries and questions.. I couldn’t have asked for a better broker.

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Jack Rawson
May 1, 2024

Claire was great throughout the mortgage process, with 2 people who quite frankly didn't have a clue she explained every part of the process and made our lives so much easier. Highly recommend!

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Eduard Brown
April 17, 2024

Jodi Kendall delivered outstanding service, expertly guiding us to secure the best mortgage deal. She provided clear explanations throughout the process and proactively searched for better options, ultimately securing a deal that saved us a significant amount of money. Her diligence and expertise were truly impressive.

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Jack McArdle
April 17, 2024

Paula and Louise have been absolutely incredible throughout the whole process. I was dealing with a very very tricky seller and estate agent who made the process of buying 10x more stressful by constantly changing up things but Paula sorted everything so quickly, easily and efficiently it made everything much more bearable. Paula helped me find the best mortgage rate, talked me through everything in a way I could understand as a first time buyer, helped me anytime I had any questions and was always on hand at the drop of a text to explain anything to me. It really felt like I had someone in my corner who I could rely on to make something so stressful as easy as possible and I can't thank Paula and Louise enough. I have throughly enjoyed the whole process working with Paula and I would absolutely recommend her to anyone looking for an incredible mortgage broker (and already have done multiple times!)

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Mark Armstrong
April 11, 2024

Great service and made it hassle free would recommend to anyone

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Terry Holt
April 2, 2024

Paula is always amazing! Always helpful and reachable! By far the best in the business

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Soiena Gorman
March 22, 2024

Claire has been absolutely amazing! I highly recommend her services. She has been clear, efficient and honest about what the best options are for me. I couldn’t recommend her enough! Absolutely amazing and finally got me the outcome I needed!

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sabrina green
March 20, 2024

Where do I start? From start to finish, Paula has made myself and partners first house purchase as smooth as possible. No question was ever too small or too big to answer (and trust me I asked a lot of questions!). No appointment was ever to late, Paula always accommodated us with no hesitation of which we were very grateful for especially working full time. At every stage from mortgage application to sorting insurance, Paula put us at ease and we always felt in safe hands. Even when Paula wasn't there, Louise was always on hand to help assist in her absence. If your looking for a mortgage advisor, you can rely on, trust and provide exceptional service, you will not be disappointed with Paula/Belle Maison - they really do go above and beyond the extra mile! I'd like to say thank you to Paula and Louise, for making our whole experience a positive one and being there with us every step of the way. I will continue to share your business with my friends and family, as should they need your services, I couldn't recommend anyone better than yourself and team.

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katie coulter
March 2, 2024

Claire has helped make the process of buying my first house seamless! She has helped every step of the way and quickly responded to any questions I have had. Even securing me a mortgage with a better interest rate when the rates dropped😃 She is amazing and I would highly recommend her to anybody 🏡🔑

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Phill White
February 21, 2024

Great ownership, from start to finish. Plenty of options and keeping me up updated on every stage. Personal approach is greatly appreciated, will definitely use again!

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David Morris
February 20, 2024

After a speaking to a couple of mortgage advisors in the past and not getting anywhere, I was introduced to Belle Maison Mortgages and Jodi. From the first call we had, I got the feeling the ball was rolling, and that was all down to Jodi. Even though the process took some time, Jodi was constantly working on bettering my offer, and managed to reduce it three times in that period. From a first time buyer who was completely in the dark about the whole process of buying a house, I would highly recommend Jodi and her services. 10/10

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Kelly Wright
February 17, 2024

Jodi was super helpful throughout the whole process of remortgaging our house. It was our first time having to go through this process so Jodi was amazing and answered all our Qs!

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Richard Flowitt
February 7, 2024

Caring, professional and friendly, we came to Jodi with no expectations at all and came away with everything we wanted. Can’t recommend enough. 10/10

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chris paterson
February 2, 2024

The handling of any business is incredibly efficient and high quality. Every member of the Belle Maison Mortgage team are phenomenal. Would recommend to any who needs a mortgage or a renewal.

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Laura Rose
February 1, 2024

This has not been an easy process but both Paula and Louise have been brilliant from the start! As first time buyers we have had a lot of questions to ask, but both Paula and Louise have answered these and gave a clear understanding. I would highly recommend them, thank you again ladies! Xx

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Donna Brook
February 1, 2024

Excellent service! Paula made the whole mortgage process easy & stress free. I would highly recommend 🤗

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Jordan Whittaker
February 1, 2024

Paula helped us buy our first home and was great help, accessible whenever we had questions and patient with all our concerns!

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Victoria Smith
January 31, 2024

Paula and the team are amazing! Helped sort our first remortgage out for us with no fuss. Will be coming to Paula for all future mortgage and insurance queries! Thanks again Paula and Belle Maison

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Ebony Jayn
January 31, 2024

5* service from Belle Maison. Our mortgage was explained really well, with no pressure and plenty of assistance. I hardly had to do anything and was reassured throughout, which made the process of buying our home a dream. You don’t need to hesitate, you’re in excellent hands with the team at Belle Maison. Thank you all so much!

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James Grainger
January 30, 2024

Claire has been amazing for us and we really couldn't recommend her highly enough. Claire has explained everything to us brilliantly, and has been so helpful with her advice. Claire put in so much effort with our new mortgage, responding very quickly to queries and submitting our mortgage applications in a very speedy manner. Claire also updated our mortgage application and got us a new mortgage offer when interest rates fell at short notice - saving us a considerable amount of money over our mortgage term. We would definitely recommend Claire to anyone!

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Rachel Crossdale
January 18, 2024

Paula has been absolutely fantastic and I can’t recommend her enough. Our employment isn’t straight forward and not only did Paula work with us to get the best value deal that was right for us but she listened to us and answered my thousands of questions. Nothing was too much trouble. The peace of mind is absolutely worth it. Paula took care of everything for us and massively reduced the stress (and paperwork) of moving. We will be sticking with her for our renewal in a few years time and any future moves.

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James Attwood
January 8, 2024

Claire was exellent at answering all questions and making buying our first home a very easy process, very good with communication and fast on getting things resolved, definitely recommend

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Courtney Rose Austin
December 15, 2023

Clare made the experience really simple and easy. Would 100% recommend.

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Ben Brown
December 15, 2023

Clare was brilliant from start to finish. As first time buyers it can be a stressful experience but Clare made it as simple as possible with no complications. Definitely would recommend.

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James Read
November 28, 2023

Paula & the team are first class when it comes to finding mortgages to suit you. Great support from beginning to completion, even when things aren’t 109% straight forward with your circumstances & in a tricky market. Thank you for your help!

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Neil Kemp
November 8, 2023

Great experience all round with a somewhat tricky mortgage situation to sort out but all went like clockwork and Claire's attention to detail and problem solving was top notch. Great service would definitely recommend!

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Elle Pearson
November 8, 2023

Claire has been amazing from start to finish. We couldn't be where we are now without her! She is so hard working and you can rely on her to get the job done! She is so thorough and kept in contact with me non stop. She reassured me throughout the whole process and is so kind and caring. The best women for the job. I couldn't have dreamed for a better Mortgage Broker. She made it happen for us even when we thought it wouldn't. Thank you so much Claire X

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Lauren Walshaw
November 1, 2023

I found Paula by pure accident a couple of years ago when I saw her advertisement for her mortgage services on a group page. I followed her ever since and she didn’t disappoint, I couldn’t fault Paula’s mortgage advice from beginning to end. No question was too little or too big and she helped us from throughout the whole process. Thank you again Paula for all the hard work you’ve put into to securing a mortgage for our forever home!

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Carl Hadi
September 14, 2023

Excellent, friendly service provided. Highly recommended!

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L Murakas
September 13, 2023

Jodi helped us with our first mortgage. She was very helpful and always happy to answer any questions we had and put our minds at rest. She was very good explaining things to a complete novice and I will definitely use her again when it comes to remortgaging! Highly recommend.

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reece adamson
August 27, 2023

Can’t thank Paula and her team enough. They were amazing through the whole process. Would highly recommend!

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Meg Bolderson
August 26, 2023

Thank you so much to Paula and all at Belle Maison! We had a fantastic experience from start to finish and the team made the mortgage process super quick and easy. Highly recommend!!

Paula & Louise at Belle Maison helped me secure the best mortgage offer for the 2nd time recently. At a time when rates were going up almost weekly Paula acted fast and helped me secure the best rate for me on a fixed rate deal, literally locking a deal in for me at 5pm before the rates increased by another 0.5%, I couldn't wish for a better service. The process was slick and efficient throughout and I felt valued as a customer. Once an offer was secured and we began the conveyancing Louise was always in our corner, chasing up progress and making sure everything flowed at the right pace and we were fully informed throughout. Our completion was seamless and timed perfectly to avoid exit penalties on the old mortgage. In two years when our fixed period ends I will definitely be going back to Paula for another mortgage review..... hopefully then the interest rates are much cheaper too :-) Thanks Belle Maison 5* service, would highly recommend.

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Heather Eriksen
July 27, 2023

Claire provided excellent service and support during my recent remortgaging. My situation wasn’t the easiest and yet she was always able to get me an answer and in the end found me a deal far better than any I would have been able to get alone. I would certainly recommend her to anyone and she will support you through the whole mortgage process.

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Dannie Bywater
July 12, 2023

Claire helped us with getting our mortgage for our first home and she made the whole process so easy and stress free. We had no clue where to start but Claire was so helpful from day one. We knew that we could ask her anything whether it be by email or phone call and she would be there to help us and answer any questions which is so nice when buying your first home. We really felt looked after by Claire and she is just a genuine and friendly person. We would and will 100% recommend Claire for anyone who needs help with their mortgage and we will definitely be doing so in the future. Thank you, Claire!

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Laura Pearson
June 30, 2023

Paula has been amazing in finding me the best deal for a mortgage and as a first time buyer the whole world of buying seemed so confusing to me. No question was too silly and both Paula and Louise have constantly kept in contact with me, checking in on progress and guiding me with what to expect. Can’t recommend them highly enough and will definitely be returning when it’s time to remortgage. Thanks so much!

Paula and the team are absolutely amazing - talked me through every step as being a single first time buyer is daunting! Would recommend Belle Maison to anyone. Thank you for helping to purchase my perfect home, i love it more and more everyday!

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Emma Ravenscroft
June 12, 2023

Paula was professional, friendly and communicative. She was always quick to respond and to set up an online call to work around our needs and commitments. Paula was helpful and gave us the information we needed in a succinct and ‘easy to understand’ way, making sure we made informed decisions about the cover we needed and wanted for our family. Would highly recommend. Thanks again!

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emma groves
June 2, 2023

Absolutely amazing!! Paula and her team were there for us every step of the way. It can be very overwhelming when buying your first home. However Belle Maison made the process completely stress & hassle free. We will definitely be using them again!!

Thank you so much Claire for all your help in securing our mortgage. You were amazing throughout! We couldn’t have done it without you. Thank you to everyone at Belle Maison you are all amazing at what you do and we will recommend you to all our friends and family. You have answered any questions we had and explained everything to us. Thank you again! ❤️🏡

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Adam Milner
May 26, 2023

Belle Maison were great and made everything really easy. The service was excellent and they came back to us quickly on all our queries. We would 100% recommend anyone to use Belle Maison if you are looking to find a mortgage.

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Our clients have lots of good things to say about why they think Belle Maison are the “best in the business”. From first time buyers, to buy to let landlords our clients have come to trust the service we provide, comforted that we’re with them every step of the way.

Check out what our clients have to say about us below!

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Faith Yearwood
July 18, 2024

Review for Paula, My Mortgage Advisor, and Louise, Her Assistant I had the pleasure of working with Paula, my mortgage advisor, and Louise, her dedicated assistant. From the moment they picked up my case, they demonstrated exceptional commitment and professionalism. Last-Minute Weekend Assistance: When my mortgage application hit a critical point over the weekend, Paula and Louise stepped in promptly. Their availability and willingness to work during non-business hours were truly impressive. Guidance Every Step of the Way: Paula and Louise guided me through the entire process, ensuring I understood each stage. Their expertise helped me navigate complexities, and their patience eased any anxieties I had. Efficiency and Speed: Paula’s knowledge of lenders and mortgage processes, combined with Louise’s organisational skills, ensured that my case progressed swiftly. They worked tirelessly to secure my mortgage offer and kept me informed at every turn. Personalised Service: Paula and Louise didn’t treat me like just another client. They took the time to understand my unique situation and tailored their advice accordingly. Their personalized approach made all the difference. Completion Date Achieved: Thanks to their dedication, I’m thrilled to announce that my completion date is set for tomorrow! Paula and Louise turned what could have been a stressful experience into a smooth journey. In summary, Paula and Louise are an exceptional team. Their commitment, expertise, and genuine care for their clients make them stand out. I wholeheartedly recommend them to anyone seeking mortgage advice. Thank you, Paula and Louise! 🙌

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Rosy Bingham
June 29, 2024

Paula and Louise made buying our first house an enjoyable experience. They guided us through the process and made sure every box was ticked. We didn’t think we would be able to buy a house yet because of the nature of our work contracts, but this was made possible by the expertise at Belle Maison. We can’t thank them enough and recommend their services without hesitation ⭐️⭐️⭐️⭐️⭐️

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Ashley Nicholson
June 10, 2024

Jodie has made the process of our mortgage renewal really easy and took care of everything for us. Thank you Jodie for everything 🌟🌟🌟🌟🌟

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Jemma Perks
June 7, 2024

Paula and Louise have been absolutely fantastic at helping us secure our first mortgage. They explained the steps of becoming a home owner in a simple, yet thorough way, which was easy to understand. We wouldn’t have felt confident taking the big leap into home ownership without their help. As someone who had temporary work at the time, I didn’t think it was possible to get a mortgage, but they made it possible. Thank you, we really can’t recommend Belle Maison enough!!

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Andy Ward
June 6, 2024

Highly Recommended. Claire and then Louise extremely helpful in the whole process. Without them I simply wouldn't have been able to move into my new house. Can't Thank them enough for all their help and support. Thank You.

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MATTHEW BIDDLE
May 29, 2024

Jodi was absolutely brilliant and made everything as seamless as possible. Highly recommend! Thanks again for getting us the best mortgage deal :)

Faith Yearwood
Faith Yearwood

left us a 5 star review

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Faith Yearwood
July 18, 2024

Review for Paula, My Mortgage Advisor, and Louise, Her Assistant I had the pleasure of working with Paula, my mortgage advisor, and Louise, her dedicated assistant. From the moment they picked up my case, they demonstrated exceptional commitment and professionalism. Last-Minute Weekend Assistance: When my mortgage application hit a critical point over the weekend, Paula and Louise stepped in promptly. Their availability and willingness to work during non-business hours were truly impressive. Guidance Every Step of the Way: Paula and Louise guided me through the entire process, ensuring I understood each stage. Their expertise helped me navigate complexities, and their patience eased any anxieties I had. Efficiency and Speed: Paula’s knowledge of lenders and mortgage processes, combined with Louise’s organisational skills, ensured that my case progressed swiftly. They worked tirelessly to secure my mortgage offer and kept me informed at every turn. Personalised Service: Paula and Louise didn’t treat me like just another client. They took the time to understand my unique situation and tailored their advice accordingly. Their personalized approach made all the difference. Completion Date Achieved: Thanks to their dedication, I’m thrilled to announce that my completion date is set for tomorrow! Paula and Louise turned what could have been a stressful experience into a smooth journey. In summary, Paula and Louise are an exceptional team. Their commitment, expertise, and genuine care for their clients make them stand out. I wholeheartedly recommend them to anyone seeking mortgage advice. Thank you, Paula and Louise! 🙌

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Rosy Bingham
June 29, 2024

Paula and Louise made buying our first house an enjoyable experience. They guided us through the process and made sure every box was ticked. We didn’t think we would be able to buy a house yet because of the nature of our work contracts, but this was made possible by the expertise at Belle Maison. We can’t thank them enough and recommend their services without hesitation ⭐️⭐️⭐️⭐️⭐️

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Ashley Nicholson
June 10, 2024

Jodie has made the process of our mortgage renewal really easy and took care of everything for us. Thank you Jodie for everything 🌟🌟🌟🌟🌟

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Jemma Perks
June 7, 2024

Paula and Louise have been absolutely fantastic at helping us secure our first mortgage. They explained the steps of becoming a home owner in a simple, yet thorough way, which was easy to understand. We wouldn’t have felt confident taking the big leap into home ownership without their help. As someone who had temporary work at the time, I didn’t think it was possible to get a mortgage, but they made it possible. Thank you, we really can’t recommend Belle Maison enough!!

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Andy Ward
June 6, 2024

Highly Recommended. Claire and then Louise extremely helpful in the whole process. Without them I simply wouldn't have been able to move into my new house. Can't Thank them enough for all their help and support. Thank You.

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MATTHEW BIDDLE
May 29, 2024

Jodi was absolutely brilliant and made everything as seamless as possible. Highly recommend! Thanks again for getting us the best mortgage deal :)

Jodi was the third mortgage advisor I had tried in order to remortgage and then potentially sell my house. She was the only one who managed to complete the process with me and fully understood our rather complex situation. Thought out the process she was helpful, easily contactable and her skills and experience definitely made the situation less stressful. I’m already using Jodi again for my next project ☺️

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Simon Bennett
May 15, 2024

A fantastic service provided by Paula and Louise. Kept up to date through the entire process and all of our questions answered. I would definitely recommend the company and team, and already have done. Thank you again.

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Caroline Bennett
May 15, 2024

Absolutely fantastic experience with Paula and her team, super efficient, quick and friendly! Everything was sorted so efficiently from the first appointment through to completion of our re-mortgage! Keep up the awesome work Paula you are a fantastic lady and I wouldn't hesitate to recommend you! x

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Leesa McCarthy
May 1, 2024

Paula has been amazing from the very first call that we had together. She thoroughly explained everything that would be involved and found a great deal for me. We were 3 months out from my mortgage ending at our first call.. and she continually kept checking for better deals for me until the switch over. Paula was always on hand and very responsive to any queries and questions.. I couldn’t have asked for a better broker.

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Jack Rawson
May 1, 2024

Claire was great throughout the mortgage process, with 2 people who quite frankly didn't have a clue she explained every part of the process and made our lives so much easier. Highly recommend!

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Eduard Brown
April 17, 2024

Jodi Kendall delivered outstanding service, expertly guiding us to secure the best mortgage deal. She provided clear explanations throughout the process and proactively searched for better options, ultimately securing a deal that saved us a significant amount of money. Her diligence and expertise were truly impressive.

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Jack McArdle
April 17, 2024

Paula and Louise have been absolutely incredible throughout the whole process. I was dealing with a very very tricky seller and estate agent who made the process of buying 10x more stressful by constantly changing up things but Paula sorted everything so quickly, easily and efficiently it made everything much more bearable. Paula helped me find the best mortgage rate, talked me through everything in a way I could understand as a first time buyer, helped me anytime I had any questions and was always on hand at the drop of a text to explain anything to me. It really felt like I had someone in my corner who I could rely on to make something so stressful as easy as possible and I can't thank Paula and Louise enough. I have throughly enjoyed the whole process working with Paula and I would absolutely recommend her to anyone looking for an incredible mortgage broker (and already have done multiple times!)

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Mark Armstrong
April 11, 2024

Great service and made it hassle free would recommend to anyone

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Terry Holt
April 2, 2024

Paula is always amazing! Always helpful and reachable! By far the best in the business

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Soiena Gorman
March 22, 2024

Claire has been absolutely amazing! I highly recommend her services. She has been clear, efficient and honest about what the best options are for me. I couldn’t recommend her enough! Absolutely amazing and finally got me the outcome I needed!

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sabrina green
March 20, 2024

Where do I start? From start to finish, Paula has made myself and partners first house purchase as smooth as possible. No question was ever too small or too big to answer (and trust me I asked a lot of questions!). No appointment was ever to late, Paula always accommodated us with no hesitation of which we were very grateful for especially working full time. At every stage from mortgage application to sorting insurance, Paula put us at ease and we always felt in safe hands. Even when Paula wasn't there, Louise was always on hand to help assist in her absence. If your looking for a mortgage advisor, you can rely on, trust and provide exceptional service, you will not be disappointed with Paula/Belle Maison - they really do go above and beyond the extra mile! I'd like to say thank you to Paula and Louise, for making our whole experience a positive one and being there with us every step of the way. I will continue to share your business with my friends and family, as should they need your services, I couldn't recommend anyone better than yourself and team.

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katie coulter
March 2, 2024

Claire has helped make the process of buying my first house seamless! She has helped every step of the way and quickly responded to any questions I have had. Even securing me a mortgage with a better interest rate when the rates dropped😃 She is amazing and I would highly recommend her to anybody 🏡🔑

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Phill White
February 21, 2024

Great ownership, from start to finish. Plenty of options and keeping me up updated on every stage. Personal approach is greatly appreciated, will definitely use again!

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David Morris
February 20, 2024

After a speaking to a couple of mortgage advisors in the past and not getting anywhere, I was introduced to Belle Maison Mortgages and Jodi. From the first call we had, I got the feeling the ball was rolling, and that was all down to Jodi. Even though the process took some time, Jodi was constantly working on bettering my offer, and managed to reduce it three times in that period. From a first time buyer who was completely in the dark about the whole process of buying a house, I would highly recommend Jodi and her services. 10/10

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Kelly Wright
February 17, 2024

Jodi was super helpful throughout the whole process of remortgaging our house. It was our first time having to go through this process so Jodi was amazing and answered all our Qs!

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Richard Flowitt
February 7, 2024

Caring, professional and friendly, we came to Jodi with no expectations at all and came away with everything we wanted. Can’t recommend enough. 10/10

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chris paterson
February 2, 2024

The handling of any business is incredibly efficient and high quality. Every member of the Belle Maison Mortgage team are phenomenal. Would recommend to any who needs a mortgage or a renewal.

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Laura Rose
February 1, 2024

This has not been an easy process but both Paula and Louise have been brilliant from the start! As first time buyers we have had a lot of questions to ask, but both Paula and Louise have answered these and gave a clear understanding. I would highly recommend them, thank you again ladies! Xx

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Donna Brook
February 1, 2024

Excellent service! Paula made the whole mortgage process easy & stress free. I would highly recommend 🤗

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Jordan Whittaker
February 1, 2024

Paula helped us buy our first home and was great help, accessible whenever we had questions and patient with all our concerns!

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Victoria Smith
January 31, 2024

Paula and the team are amazing! Helped sort our first remortgage out for us with no fuss. Will be coming to Paula for all future mortgage and insurance queries! Thanks again Paula and Belle Maison

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Ebony Jayn
January 31, 2024

5* service from Belle Maison. Our mortgage was explained really well, with no pressure and plenty of assistance. I hardly had to do anything and was reassured throughout, which made the process of buying our home a dream. You don’t need to hesitate, you’re in excellent hands with the team at Belle Maison. Thank you all so much!

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James Grainger
January 30, 2024

Claire has been amazing for us and we really couldn't recommend her highly enough. Claire has explained everything to us brilliantly, and has been so helpful with her advice. Claire put in so much effort with our new mortgage, responding very quickly to queries and submitting our mortgage applications in a very speedy manner. Claire also updated our mortgage application and got us a new mortgage offer when interest rates fell at short notice - saving us a considerable amount of money over our mortgage term. We would definitely recommend Claire to anyone!

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Rachel Crossdale
January 18, 2024

Paula has been absolutely fantastic and I can’t recommend her enough. Our employment isn’t straight forward and not only did Paula work with us to get the best value deal that was right for us but she listened to us and answered my thousands of questions. Nothing was too much trouble. The peace of mind is absolutely worth it. Paula took care of everything for us and massively reduced the stress (and paperwork) of moving. We will be sticking with her for our renewal in a few years time and any future moves.

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James Attwood
January 8, 2024

Claire was exellent at answering all questions and making buying our first home a very easy process, very good with communication and fast on getting things resolved, definitely recommend

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Courtney Rose Austin
December 15, 2023

Clare made the experience really simple and easy. Would 100% recommend.

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Ben Brown
December 15, 2023

Clare was brilliant from start to finish. As first time buyers it can be a stressful experience but Clare made it as simple as possible with no complications. Definitely would recommend.

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James Read
November 28, 2023

Paula & the team are first class when it comes to finding mortgages to suit you. Great support from beginning to completion, even when things aren’t 109% straight forward with your circumstances & in a tricky market. Thank you for your help!

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Neil Kemp
November 8, 2023

Great experience all round with a somewhat tricky mortgage situation to sort out but all went like clockwork and Claire's attention to detail and problem solving was top notch. Great service would definitely recommend!

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Elle Pearson
November 8, 2023

Claire has been amazing from start to finish. We couldn't be where we are now without her! She is so hard working and you can rely on her to get the job done! She is so thorough and kept in contact with me non stop. She reassured me throughout the whole process and is so kind and caring. The best women for the job. I couldn't have dreamed for a better Mortgage Broker. She made it happen for us even when we thought it wouldn't. Thank you so much Claire X

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Lauren Walshaw
November 1, 2023

I found Paula by pure accident a couple of years ago when I saw her advertisement for her mortgage services on a group page. I followed her ever since and she didn’t disappoint, I couldn’t fault Paula’s mortgage advice from beginning to end. No question was too little or too big and she helped us from throughout the whole process. Thank you again Paula for all the hard work you’ve put into to securing a mortgage for our forever home!

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Carl Hadi
September 14, 2023

Excellent, friendly service provided. Highly recommended!

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L Murakas
September 13, 2023

Jodi helped us with our first mortgage. She was very helpful and always happy to answer any questions we had and put our minds at rest. She was very good explaining things to a complete novice and I will definitely use her again when it comes to remortgaging! Highly recommend.

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reece adamson
August 27, 2023

Can’t thank Paula and her team enough. They were amazing through the whole process. Would highly recommend!

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Meg Bolderson
August 26, 2023

Thank you so much to Paula and all at Belle Maison! We had a fantastic experience from start to finish and the team made the mortgage process super quick and easy. Highly recommend!!

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Rochelle Illingworth
August 9, 2023

Paula & Louise at Belle Maison helped me secure the best mortgage offer for the 2nd time recently. At a time when rates were going up almost weekly Paula acted fast and helped me secure the best rate for me on a fixed rate deal, literally locking a deal in for me at 5pm before the rates increased by another 0.5%, I couldn't wish for a better service. The process was slick and efficient throughout and I felt valued as a customer. Once an offer was secured and we began the conveyancing Louise was always in our corner, chasing up progress and making sure everything flowed at the right pace and we were fully informed throughout. Our completion was seamless and timed perfectly to avoid exit penalties on the old mortgage. In two years when our fixed period ends I will definitely be going back to Paula for another mortgage review..... hopefully then the interest rates are much cheaper too :-) Thanks Belle Maison 5* service, would highly recommend.

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Heather Eriksen
July 27, 2023

Claire provided excellent service and support during my recent remortgaging. My situation wasn’t the easiest and yet she was always able to get me an answer and in the end found me a deal far better than any I would have been able to get alone. I would certainly recommend her to anyone and she will support you through the whole mortgage process.

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Dannie Bywater
July 12, 2023

Claire helped us with getting our mortgage for our first home and she made the whole process so easy and stress free. We had no clue where to start but Claire was so helpful from day one. We knew that we could ask her anything whether it be by email or phone call and she would be there to help us and answer any questions which is so nice when buying your first home. We really felt looked after by Claire and she is just a genuine and friendly person. We would and will 100% recommend Claire for anyone who needs help with their mortgage and we will definitely be doing so in the future. Thank you, Claire!

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Laura Pearson
June 30, 2023

Paula has been amazing in finding me the best deal for a mortgage and as a first time buyer the whole world of buying seemed so confusing to me. No question was too silly and both Paula and Louise have constantly kept in contact with me, checking in on progress and guiding me with what to expect. Can’t recommend them highly enough and will definitely be returning when it’s time to remortgage. Thanks so much!

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Michelle Rennoldson
June 26, 2023

Paula and the team are absolutely amazing - talked me through every step as being a single first time buyer is daunting! Would recommend Belle Maison to anyone. Thank you for helping to purchase my perfect home, i love it more and more everyday!

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Emma Ravenscroft
June 12, 2023

Paula was professional, friendly and communicative. She was always quick to respond and to set up an online call to work around our needs and commitments. Paula was helpful and gave us the information we needed in a succinct and ‘easy to understand’ way, making sure we made informed decisions about the cover we needed and wanted for our family. Would highly recommend. Thanks again!

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emma groves
June 2, 2023

Absolutely amazing!! Paula and her team were there for us every step of the way. It can be very overwhelming when buying your first home. However Belle Maison made the process completely stress & hassle free. We will definitely be using them again!!

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Georgia Harrison
May 26, 2023

Thank you so much Claire for all your help in securing our mortgage. You were amazing throughout! We couldn’t have done it without you. Thank you to everyone at Belle Maison you are all amazing at what you do and we will recommend you to all our friends and family. You have answered any questions we had and explained everything to us. Thank you again! ❤️🏡

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Adam Milner
May 26, 2023

Belle Maison were great and made everything really easy. The service was excellent and they came back to us quickly on all our queries. We would 100% recommend anyone to use Belle Maison if you are looking to find a mortgage.