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First-Time Buyer Mortgages

Making Your Brighton & Hove Property Dreams a Reality

About First Time Buyer Mortgages

Buying your first home in Brighton and Hove is exciting – but it can also feel daunting. With average property prices higher than the national average and fierce competition for homes, it’s essential to have expert guidance from the start.

We’ve helped countless first-time buyers purchase properties across Brighton and Hove – from studio flats in Kemptown to two-bed terraces in Hanover, from new builds in Portslade to period conversions in Hove.

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A first-time buyer home in Brighton and Hove — the kind of property our first-time-buyer mortgage clients are buying

How We Help First-Time Buyers

Mortgage Broker in Hove

Understanding Your Budget

We start with a detailed affordability assessment based on your income and outgoings, giving you a realistic budget for Brighton’s property market. We’ll explain loan-to-value ratios and guide you through deposit requirements, whether you have 5% or 25% saved.

Mortgage Broker in Hove

Government Schemes

Take advantage of schemes like Help to Buy – Wales equity loans for new builds, shared ownership properties, and the First Homes scheme offering 30-50% discounts. We’ll also help you maximize Lifetime ISA bonuses.

Mortgage Broker in Hove

Finding the Right Mortgage

We compare fixed rate and tracker mortgages from over 90 lenders, explaining terms, fees, and charges clearly. Access products designed for smaller deposits, along with broker-exclusive deals that may not be available if you go direct to the lenders.

Mortgage Broker in Hove

Understanding All Costs

Beyond the mortgage, there might be stamp duty fee (including first-time buyer relief), and other fee such as conveyancing fees, survey costs, and arrangement fees.

Over 50 five-star Google reviews for David Lewis Mortgage Management

Over 40 5* Reviews on Google

We’re proud of the relationships we build with our mortgage & protection clients. Here’s what they say about working with us.