It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Are you a First Time buyer looking to get on to the property ladder? Are you buying your first home on your own, with a partner or friend? We offer first time buyer mortgage advice in Halifax.
We understand the daunting process of buying a property, especially when it’s your first! Having a professional on your side will be reassuring, we do more than just arrange your mortgage for you. If required, we can put your offer forward to the estate agent on your behalf, help with survey types and we can provide a competitive conveyancing quote with all as part of the service.
We are here and ready to help you through every step of the way. We are able to recommend all mortgage types including fixed-rate mortgages, variable, tracker in order to find you the most suitable mortgage for your individual needs.
In some cases problems can arise long after your offer has been accepted, these times can be tricky and very stressful. We are able to use our knowledge, experience and contacts to help resolve these issues and make the process as smooth and stress-free as possible.
It’s our job to search through thousands of mortgage deals, to find the right mortgage based on your circumstances. Whether you’re buying by yourself, with a friend/partner, or are having mortgage problems, we’re usually able to help. Having your Agreement in Principle handy at all times is a good idea, especially if you’re ready to make an offer. Rest assured, our mortgage advisors in Halifax are able to help you out with this.
Here at Halifaxmoneyman, we have helped many first time buyers in Halifax get onto the property ladder and achieve their mortgage goals. Our customer service goes beyond just finding you the most suitable product.
The minimum deposit required for a first time buyer is a 5% Deposit can come from your own savings or even a gifted deposit from a friend or family member. In some cases, you can have a combination of both gift and savings.
In somes cases a deposit isn’t needed, for examples if you’ve thought about buying the property you’re currently in from your landlord or housing association, it’s worth checking your eligibility for the Right to Buy Scheme. Speaking to your local authority should allow clarification on this.
You can find more information about deposits and these schemes by navigating to the guides section of our website or by visiting the government Own Your Home website.
As a trusted mortgage broker in Halifax, our team of mortgage advisors in Halifax are acquainted with all the various government schemes that are currently available and will help answer all of your questions you may have in regard to any of these.
Gifted deposits aren’t the only option for first time buyers in Halifax looking to enter the property market. Several government schemes are available, offering assistance with deposits and increasing your chances of homeownership.
Additionally, saving for a larger deposit can often result in more favorable mortgage rates and terms. Another viable option is the shared ownership scheme, allowing you to purchase a share of a property and pay rent on the remaining portion.
If you’re buying your initial residential property in Halifax or haven’t owned one before, you qualify as a first time buyer in Halifax.
Owning commercial property doesn’t count towards homeowner status for mortgage purposes. Unfortunately, in a couple, both partners must be first time buyers in Halifax to access any first time buyer mortgage.
Expert mortgage advice in Halifax, we can provide guidance on the available mortgage options and help you understand the terms and conditions.
Mortgage application assistance in preparing and submitting your mortgage application, ensuring all necessary documents are in order.
We search 1000’s of mortgage deals from different lenders to find the one that best suits your financial situation.
Your first mortgage in Halifax is a significant financial commitment, likely the largest expense you’ll encounter. Our mortgage advisors in Halifax prioritise finding the most suitable deal with favourable interest rates while considering your financial situation.
We ensure your mortgage aligns with your needs and budget by evaluating your affordability, including your annual salary, other income sources, spending habits, credit history, and financial management.
Supporting documents such as payslips and bank statements from the last three months may be requested. Your deposit is important, affecting available mortgage deals.
While most lenders require a minimum 5% deposit, some have higher thresholds. A higher deposit often results in borrowing less and potentially secures better rates.
Our Customers Love Us
4.98 Rating523 Reviews
Hamza
excellent service
12 hours ago
Dr Christopher
Extremely helpful and efficient. The staff involved made every step clear
1 day ago
Anonymous
Excellent advice, help and admin from the people at Moneyman, hightly recommended.
2 days ago
Anonymous
Moneyman service was fantastic start to finish very fast friendly service definitely recommend to others
4 days ago
Daryl
I recently took out a mortgage with UkMoneyMan, and I cannot speak highly enough about my experience, especially working with my advisor, Dinah Harros. From start to finish, Dinah went above and beyond to ensure that the process was smooth,...
5 days ago
Opeyemi
Working with UK Moneyman, specifically with Malcolm, was an excellent experience from start to finish. Malcolm and the team were incredibly helpful and patient throughout our unique mortgage process. Malcolm's extensive knowledge and expertise were...
5 days ago
Alison
Fantastic. Flexible meetings. Responsive. Explained everything and was super efficient. Very pleased with the service.
1 week ago
May
I am so grateful to malcolm and jo for assisting me start from beginning until securing my mortgage. They are always quick to respond and very professional. I recommend their service 100% ti anyone. Thank you very much
1 week ago
Mr Ryan
Chris was brilliant through the whole process. Nothing was too much trouble and there were a few obstacles to overcome to say the least. Once the case was passed over to Catherine she was equally as good and very efficient. I would highly recommend...
1 week ago
Anonymous
Very happy with the service that was provided was always there to help me along the way couldn’t be happier
1 week ago
Paul
Money man were very helpful and personal in their service to us in finding us a mortgage. Everyone we spoke to were polite and were very helpful.
1 week ago
Thomas
Second time using Leo at UK Moneyman - incredibly helpful again!! Thanks
3 weeks ago
Anonymous
We were looking to purchase our home that we currently rent and as first time buyers were unsure of the procedures. Jason Loft handled our application and he was extremely thorough and informative and put us at ease immediately, determined to get us...
3 weeks ago
Anonymous
Very helpful
3 weeks ago
Mrs Samantha
Money man service was very professional and efficient. We called for advise on a remotgae and got provided with a great service and a relly quick remotgae process. I would highly recommend.
3 weeks ago
Craig
The support throughout by Jason, Jo and Kerry was outstanding throughout our remortgage application. Highly recommended!
3 weeks ago
Susan
Excellent service.Consistant all the way through my business.Highly recommended.
4 weeks ago
Karl
Airways really helpful. Choose Moneyman because our previous mortgage advisor was not providing us with sufficient advice or guidance based on our situation. Moneyman made it a really smooth process!
4 weeks ago
John
Connor & Stacey were so helpful with our whole mortgage application from start to finish. Their attention to detail really helped us get the house we wanted in a timely manner. Would 100% recommend.
1 month ago
Liam
Would like to thank Wayne and Paula for their help in acquiring our first mortgage. The process was made so simple and straight forward by them both and they had it turned round super fast. Would highly recommend the company and also Wayne and Paula...
1 month ago
During your free mortgage appointment, you’ll have the opportunity to discuss what you ope to ahcieve with one of our trusted mortgage advisors in Halifax.
They’ll carefully review your income and expenses to determine your eligibility for a first time buyer mortgage.
Our mortgage advisors have access to 1000’s of mortgage deals tailored for first time buyers in Halifax.
After your appointment, we are able to secure your mortgage agreement in principle – a useful tool when making any offers on properties.
Once your offer on a property is accepted, our dedicated mortgage advisors in Halifax takes charge of submitting your mortgage application and ensuring all necessary documents are forwarded to the lender.
Beyond finding the most suitable mortgage, our team is committed to helping you in obtaining comprehensive insurance coverage to provide financial security for you and the ones you love.
Trying to buy your first home in Halifax, but not sure where to start or if you’re eligible? Our team of mortgage advisors at Halifaxmoneyman are more than happy to help.
We know that buying your first home can be overwhelming, so our team is available 7 days a week, from early morning to late at night, to guide you through the process.
We are able to search through 1000’s of first time buyer mortgages in Halifax, to find you the most suitable deal for your personal and financial circumstances.
We will be there during the entire process and happily answer any questions you have, up until you get the keys and beyond!
As an open & honest mortgage broker in Halifax, we aim to reduce as much stress as possible.
Your dedicated mortgage case manager will keep you informed every step of the way, making sure you always understand what is going on, with jargon at a minimum.
Our mortgage advisors in Halifax works 7 days a week from early in the day until late, making sure that we are available at a time that is appropriate for you.
All of our customers benefit from our free mortgage appointment, which will generally be carried out over the phone or through a video call via Microsoft Teams.
The amount a first-time buyer in Halifax can borrow depends on various factors such as income, credit history, and existing debts. We recommend scheduling a consultation with our mortgage experts to assess your financial situation and provide you with an AIP with the maximum amount you can borrow for a mortgage in Halifax.
Congratulations on reaching this stage! Before making an offer, it’s crucial to have a pre-approved mortgage in place. Our team can guide you through the mortgage application process, ensuring you have a solid understanding of your budget and the terms of your mortgage offer.
Having an AIP can give you an advantage when making an offer on a property, as it shows the seller that you are a serious buyer.
At Halifaxmoneyman, we understand the importance of an AIP and are able to obtain it for you within 24 hours of your initial appointment.
Fantastic news on securing a property! Now it’s time to complete the mortgage details. Our team will work closely with you to complete the necessary paperwork, arrange property valuations, and ensure a smooth transition toward securing your mortgage for the chosen property.
If you’ve been declined by your bank for a mortgage, don’t worry. Different lenders have varying criteria, and a rejection doesn’t necessarily mean you won’t qualify elsewhere. Our mortgage advisors in Halifax can explore alternative options, helping you understand the reasons behind the decline and finding a solution that better fits your financial situation.
Read our 523 Reviews
Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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