Mortgage Advice for First Time Buyers

Buying your first home is exciting, but it can also feel daunting, especially when the mortgage process is completely new to you. At Dolphin Finance we take care of the financial detail so you can focus on finding the right place.

As an experienced broker for first-time buyers, we are on hand at every step, from your first enquiry through to the day you collect the keys. Our friendly team guides you through the whole process, answers every question and keeps things moving, so your first mortgage is as smooth and stress-free as possible.

Start Your Mortgage Journey with Dolphin Finance

Red-brick Victorian terraced houses with the London skyline beyond.

As a first-time buyer, you may not yet know how the different types of mortgage compare, or what the fees and risks are. We understand how overwhelming the choices can feel, so we sit down with you, explain your options in plain English and find a mortgage that genuinely fits. From your very first enquiry, we:

talk through what you need and want from a mortgage
assess your income and outgoings so you know what you can realistically afford
explain the different types of mortgage and their costs
find the right deal for your circumstances and provide full illustrations
arrange protection and recommend a solicitor
handle the full application, liaising with the lender on your behalf

We are a leading specialist mortgage broker with access to an extensive range of lenders, including deals available only through brokers. Our job is to secure the right mortgage for you and help you take that first step onto the property ladder.

How It Works

A straightforward process designed around your circumstances - wherever in the world you are.

Free initial consultation

We understand your full circumstances - where you live, how you earn, what you want to buy and your timescales. We give you an honest picture before any formal process begins.

Lender selection & Agreement in Principle

We match your case to the right lenders from our specialist panel and obtain an Agreement in Principle - giving you confidence before you make an offer on a property.

Application & document support

We guide you through every document required - from income evidence to source of funds. We submit a complete, well-presented application to give you the best chance first time.

Mortgage offer & completion

Whether you're buying or remortgaging, we manage the entire process through to formal mortgage offer and co-ordinate with your solicitor towards completion.

First-Time Buyer Mortgages