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First-Time Buyer Mortgage Advice in Wiltshire & Somerset
Welcome to First Mortgage Steps – Your trusted mortgage advice service for first-time buyers in Wiltshire & Somerset. Get your free credit report, mortgage and property guides, and easy to use mortgage calculators to plan your home purchase. We're here top support you every step of the way.
Free Property Viewing Checklist
View properties like a pro with our free property checklist. Know what to look out for on a room by room basis, giving you the comfort of knowing whether the property is for you, or not! Leave your name and email below to get the free download.
From Credit Score to Keys - Here's What to Expect
Understand your Financial position
We will review your Credit Report and complete a Fact Find to understand your current and historic Financial position.
Get Pre-Approved
We will conduct the necessary research to put you in a position where a lender has accepted you in principle.
Find Your Dream Home
It's over to you to find your dream home, now with the knowledge of knowing how much you can afford.
Find the Best Rate
We'll review the mortgage market based on your preferences to find you the best mortgage rate.
Complete the Application
We'll complete the full mortgage application on your behalf and manage the case through to completion.
Collect Your New Keys
We'll ensure all formalities are confirmed between solicitors to enable you to collect the keys to your new home!
What our clients have to say
“Working with Dom through First Mortgage Steps was an absolute pleasure. He was incredibly helpful and approachable throughout the entire process. What really stood out was how clearly he explained everything - no jargon, no confusion, just easy to understand guidance that made it all feel easy and manageable. I highly recommend him to anyone looking for a stress-free mortgage experience”
May, 2025
Paul & Sally Gent
First-time buyers
"There is no better mortgage broker than Dom, no matter who you meet. If you choose to work with them now, it will be the best decision. I would like to once again express my gratitude to Dom, who has remained consistent and always helpful throughout this journey."
July, 2024
Kwangjae Lee
First-time buyer
“Simply the best, everything from the free information provided in the form of guides through to the no-nonsense and clear advice. Would definitely recommend”
January, 2025
Maddie & Daniel
First-time buyers
FAQ's
Q: How much deposit do I need as a first-time buyer?
A: Most buyers need at least 5% of the property price. Some schemes may reduce this, but a larger deposit often means better rates.
Q: What is a mortgage agreement in principle?
A: It’s an indication from a lender showing how much you're likely to borrow, subject to a full mortgage application. It’s useful when making offers and shows sellers you're serious.
Q: How do I improve my chances of getting approved for a mortgage?
A: Keep your credit score healthy, limit new debts and outgoings, and have proof of stable income. We can help review your situation.
Q: Can I get a mortgage with a low credit score?
A: Yes, though options may be limited. We specialise in helping buyers understand their credit and find suitable lenders. You can get a free credit report here.
Q: What additional costs should I expect when buying my first home?
A: Aside from your deposit, factor in solicitors’ fees, surveys, moving costs, and possibly Stamp Duty (use our free stamp duty calculator to see how much you may have to pay).
Q: How long does the mortgage process usually take?
A: It typically takes 2 to 6 weeks from application to offer, however sometimes less. We manage the process to make it faster and less stressful.
Q: What documents do I need to apply for a mortgage?
Usually: payslips, bank statements, ID, proof of address, and details of any credit, however documents may vary depending on your circumstances. We’ll guide you through it all!
Q: Should I speak to a mortgage advisor before house hunting?
A: Absolutely. Getting advice early means you understand your budget, loan options, and can act quickly on a property you love. You can get in touch with us for free advice!
We Make Complex Simple
We make the house buying process as simple as possible for First Time Buyers
Buying your first home? We simplify the process with expert mortgage advice, step-by-step guidance, and support from pre-approval to move-in day. Backed by experience from top UK banks and brokerages, we make getting your first mortgage easy, stress-free, and tailored to you. Compare first-time buyer rates, get prequalified, and learn everything you need to know—all in one place.
Mission
Our goal is to guide first-time buyers in Wiltshire, Somerset and across the UK through every stage of the mortgage process with clarity and confidence. With a friendly touch and years of industry know-how, we turn confusion into clarity—from understanding your credit score, comparing the best mortgage rates to pre-approval.