Getting on the ladder is a big step. I make sure you do it right.
Buying your first home is probably the largest financial decision you have made so far. I am here to make sure you understand every part of it, find the most suitable mortgage for your circumstances, and have someone alongside you from your first question through to getting your keys.
We start with a conversation, not a form.
Your first consultation is free and completely without obligation. We talk through your situation — your income, your deposit, what you are looking for, and your timeline. No paperwork at this stage, just a clear and honest discussion about what is realistic for you.
I search over 120 lenders to find the right fit.
As part of HL Partnership — the UK's largest mortgage network — I have access to over 120 lenders, including specialist providers and exclusive products that are not available directly or on the high street. I do not recommend the first deal that comes up. I find the one that is right for your circumstances.
I guide you through the fact find.
When you are ready to proceed, we work through a full fact find together — a detailed look at your finances and circumstances that typically takes around 45 minutes. This is what allows me to make a properly informed, tailored recommendation rather than a generic one.
I liaise with everyone involved.
Once your mortgage is in place, there are a lot of parties to keep track of — your lender, your solicitor, your conveyancer, and the seller's estate agent. I am your single point of contact throughout. Rather than being passed between departments or chasing updates yourself, you come to me. I liaise with all parties on your behalf and keep you informed at every stage.
I can help co-ordinate the wider process too.
If you would find it helpful, I can also assist with arranging conveyancing and legal referrals. There is no obligation to use these services, but many first-time buyers find it reassuring to have one person helping to co-ordinate the broader transaction rather than having to find and manage each professional separately.
Common questions first-time buyers ask me.
How much can I borrow?
Lenders typically base this on your income and outgoings, though the exact calculation varies between lenders. Getting an Agreement in Principle early in your search gives you a realistic budget and shows sellers you are a serious buyer. This is something I can arrange for you.
How much deposit do I need?
Most lenders require a minimum of 5% of the purchase price, though a larger deposit will generally give you access to better rates. We will discuss what is realistic for your situation during your initial consultation.
What about my credit history?
A less-than-perfect credit history does not necessarily mean you cannot get a mortgage — it depends on the nature and timing of any issues. Some lenders on my panel specialise in more complex credit situations. The best thing to do is have an honest conversation with me early, so we can be clear about your options from the outset.
What costs should I budget for beyond the deposit?
There are several additional costs to be aware of — stamp duty (though first-time buyers benefit from relief on properties up to certain thresholds), solicitor and conveyancing fees, survey costs, and potentially a mortgage arrangement fee depending on the product. I will walk you through all of these so there are no surprises.
How long does the process take?
From mortgage application to completion, the process typically takes between eight and twelve weeks, though this varies depending on the complexity of the transaction and how quickly all parties move. I do everything I can to keep things progressing.
Why first-time buyers choose Century Oak Financial.
Buying your first home is not something you do every day. Having the right adviser alongside you — someone who takes the time to explain things properly, searches the market thoroughly, and stays with you through the whole process — makes a significant difference to both the outcome and the experience.
I do not pass you to a call centre or hand you off once the application is submitted. You deal with me directly, and I remain available to you throughout.
Ready to take the next step?
Book a free, no-obligation consultation and let's talk through your situation. No forms, no commitment — just a straightforward conversation.