First Time Buyers

Great, professional and friendly service. The staff went above and beyond to ensure I was happy. Would definitely recommend!” – Jake, BMA Client. July 2022

Mortgages for First Time Buyers.
Our team is here to help & advise.

We understand that buying your first home is an exciting and daunting experience. The Birmingham Mortgage Advice team are here to make the process as straightforward as possible. We’re here to help you as first time buyers find the mosst suitable deal available.

We will guide you through everything you need to know. We will guide you from your initial appointment to the day you get your keys.

We’ll also talk you through any costs that you need to consider. These could be surveys, solicitors’ costs or mortgage arrangement fees.

Covering all of these in detail, we’ll also advise when you’ll need to pay them.

We will be able to help and support you in the following areas:


Agreement In Principle

A key part of the offering process is to provide the estate agent with an agreement in principle. At no cost, we will ensure that you’re ahead of other buyers and have an agreement in principle after our first meeting.

Costs Involved In Buying

When buying a property, it’s not just the mortgage you need to think about. Other costs can and will arise, but we’ll talk you through all of them and carry out a costing exercise to make sure you are prepared for every eventuality.

Comparing Mortgages

We have access to a wide range of mortgage lenders, so we will shop around for you to ensure you are getting the most suitable deal.

Birmingham Mortgage Advice knows the mortgage market well and having supported thousands of first time buyers, we can offer expert support for you to buy a first home.

Help To Buy & Shared Ownership

We’ll be able to talk you through all your options when it comes to helping you get on the property ladder. Our team is experienced in dealing with the government schemes that may help you do so.

We can help with the Help To Buy Equity Loan application, as well as other affordable housing schemes such as the purchase of a Shared Ownership propery.

Budget Planner

Lenders will work out how much you can potentially borrow based on a few factors including: your income, outgoings, the value of your property and how much deposit you have. They will also check your credit history.

As your advisor, with the help of a budget planner, we’ll ensure that your mortgage, household expenses and protection costs are going to be affordable.


Protecting Your Debt

We’re passionate about helping you secure your first home, but we’re equally passionate about making sure that the debt and your family are protected. We will ensure that you are fully protected so that you can keep your home, no matter what life throws at you.

Speak with one of our team


Call Us

Our Location

301 Pershore Road South, Kings Norton, Birmingham, B30 3EX


Birmingham Mortgage Advice is a trading name of McTernan Financial Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.
Registered Office: 8 Church Green East, Redditch, B98 8BP. Registered in England and Wales. Company number: 09168296.


Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.