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 Rating539 Reviews
Larre
We are incredibly grateful to Dinah at UK Moneyman for helping us secure our mortgage! From the very beginning, she was knowledgeable, supportive, and genuinely committed to finding the best solution for us. Dinah made what could have been a...
14 seconds ago
Sam
A fantastic company to use for mortgage brokering. The service levels are second to none, the staff are friendly and always willing to help, with fast, clear, and prompt communication. I cannot find any fault with their service and I am already a...
2 days ago
Anonymous
Jason was incredibly helpful. He demystified the mortgage process for us and made everything so much easier for us as first time buyers.
3 days ago
Anonymous
Very professional and helpful. Chris was very friendly and explained everything very clearly throughout. They were very professional and prompt with any information and updates
6 days ago
Mr Lewis
amazing service from a team of well trained professionals in the field , helped make applying for a mortgage feel like a breeze and would reccomend to anyone looking to use their knowledgebase
6 days ago
Amy
Fantastic service!! I literally cannot thank the team enough. Everyone, went above and beyond. Fast responses to questions and queries, regular updates and a really friendly team - all helped to put my mind at ease. Everything felt taken care of and...
1 week ago
Robert
They were friendly and really helpful I would recommend to friends, family
1 week ago
Deborah
Absolutely amazing company. I needed a mortgage for 3 people as joint owners. After trying to look myself with no success, I came across Nottingham Moneyman. The fee was worth every penny, as from start to finish Charlie and Amy sorted...
1 week ago
Tracey
Excellent service, nothing was too much bother. Would definitely recommend to friends and family.
1 week ago
Mrs Rebecca
Great help make the process easy will be using again in future
1 week ago
Angela
I could not be more pleased with the service from Wayne. Needing a mortgage at my age (old) was a daunting thought. He put me at ease straight away. He guided me through and with the help of Jo Parnell. I have my mortgage and the chance once again...
2 weeks ago
Joanne
Everyone who worked with us was amazing and I highly recommend UK Moneyman. They helped us every step of the way. Thanks Matt and Debbie
2 weeks ago
Maria
Conor and the team at UK moneyman have been amazing. Very attentive always on hand to answer any queiries at anytime. Very professional throughout the process and we 100% will recommend them going forward. Thanks again guys.
2 weeks ago
Richard
Entering into the mortgage world at almost 50 years old was daunting! We needed quite a large amount which would also need to run into our retirement years…. I contacted Conor Longthorne at UK Moneyman and instantly felt at ease with the whole...
2 weeks ago
Dr Gurvinder
The service provided by Connor and the team has been great, they have taken the stress out of re-mortgaging for me.
2 weeks ago
Viniece
Dinah made the mortgage process smooth and stress-free. She’s knowledgeable, responsive, and truly cares about her clients. I’m grateful for her help and would recommend her to anyone.
2 weeks ago
Sharon
Dan Osman was absolutely brilliant.In fact everyone at Moneyman was brilliant. Thank you all. Sharon Phillips.
2 weeks ago
Hamza
excellent service
3 weeks ago
Dr Christopher
Extremely helpful and efficient. The staff involved made every step clear
3 weeks ago
Anonymous
Excellent advice, help and admin from the people at Moneyman, hightly recommended.
3 weeks 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 539 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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