Begin with confidence
Your First Mortgage Made Simple with Expert Support
A first‑time buyer mortgage helps you take your first step onto the property ladder and provides the financial support needed to purchase your own home. It offers long term security by giving you a clear structure for managing your repayments and building stability for the future. Because buying your first home is an important milestone, this type of mortgage can become a reliable part of your financial planning and give reassurance that you are putting solid foundations in place at a time when guidance matters most.
Reasons for Choosing Craig Mortgages and Protection...
From your very first enquiry through to the day you get the keys to your first home, we’ll support you every step of the way. Our help doesn’t stop once your mortgage is agreed, we’re here to guide you through everything that follows, including understanding solicitor paperwork, choosing the right surveys, and liaising with estate agents and solicitors to keep your purchase moving smoothly and stress-free.
Expert Guidance
Clear, knowledgeable advice tailored to your circumstances, ensuring you feel confident at every stage of the journey.
Smooth Process
We handle the details, reduce complexity, and keep everything on track to make the experience as stress‑free as possible.
Market Access
With access to a wide range of trusted lenders and insurers, we work to find the most suitable options for your needs.
Ongoing Support
We’re here for you until everything is complete, and beyond, ready to assist whenever you need us.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Without the limitations of a single lender, you could unlock more competitive options...
Frequently Asked Questions
Get quick, helpful answers to the most common questions.
Most lenders usually ask for a minimum deposit of around 5% of the property price, although a larger deposit can sometimes give you access to a wider range of mortgage products. Requirements vary by lender and depend on your circumstances, so it’s always worth discussing your options to understand what may be available to you.
The amount you can borrow depends on factors such as your income, outgoings, credit history and the lender’s affordability assessment. Every lender has its own criteria, and we can help you understand what might be realistic for your situation.
In addition to your deposit, you may need to budget for costs such as solicitor fees, valuation or survey fees, mortgage product fees, moving costs and insurance. Some buyers may also pay Stamp Duty depending on the purchase price and current government rules. We can help outline these typical costs so you know what to expect.
Timescales can vary, but many mortgage applications progress from agreement in principle to completion on average between 8 and 12 weeks. The exact timing depends on the lender, the property transaction, and how quickly required documents are provided. We’ll guide you through each step so you know what’s happening and when.
Yes, our role is to help you understand the different types of mortgages and identify which options may be suitable for your needs and circumstances. We’ll explain everything clearly so you can make informed decisions. We don’t give guarantees, but we do aim to support you confidently through the process.