First-Time Buyers

The minimum deposit will vary depending on the type of mortgage you are applying for and your personal circumstances. In most cases, lenders require at least 5%-10% of the property’s purchase price; however, recently, there are 100% mortgages available. However, contributing a larger deposit often means you can access more competitive interest rates and reduce your monthly repayments. We will review your situation and explain the most suitable deposit options available to you.

The amount you can borrow is based on a number of factors, including your income, regular financial commitments, credit history, and the lender’s individual criteria. As part of our service, we will carry out an affordability assessment to give you a realistic borrowing figure before you begin the application process. This helps set clear expectations and ensures you can search for properties with confidence.

We believe in complete transparency. In some cases, we may charge a fee for our services, while in others we may be paid by the lender. Any fees that apply will always be discussed with you clearly and in writing before you choose to proceed, so there are no unexpected costs.

The time frame can vary depending on your circumstances and the lender’s requirements. On average, a straightforward mortgage application may take between two and six weeks from submission to offer. More complex applications may take longer, but we will keep you informed at every stage and work to ensure the process runs as smoothly as possible.

Yes. Many of our clients are self-employed, contractors, or have multiple sources of income. We work with lenders who are experienced in assessing applications outside of traditional employment structures. By presenting your financial documents in the right way, we can maximise your chances of securing a mortgage that suits your situation.

While we cannot guarantee the absolute lowest rate in the market, as independent advisers we have access to a wide range of lenders and products — many of which are not available directly to the public. This means we can compare deals across the whole of market and recommend the most competitive and appropriate mortgage for your needs.

To apply for a mortgage, you will typically need to provide proof of identity, recent bank statements, payslips or tax returns, and details of your deposit. If you are self-employed, additional documentation such as business accounts or SA302 forms may be required. We will provide you with a full checklist at the outset so that you are fully prepared.

Entrust Financial Solutions is a trading style of Titanium Financial Services Ltd an appointed representative of Quilter Financial Services Limited which is authorised and regulated by the Financial Conduct Authority.