Many first-time buyers try to figure things out online or accept the first deal they’re offered. That can lead to: -

• Paying more interest than necessary
• Being locked into a mortgage that doesn’t suit your lifestyle or income
• Applications being delayed or rejected because of missing details
• Missing out on first-time buyer schemes that could save you money

What should be exciting, can very quickly become stressful.

I’m Toby Keate, independent adviser at Taylor James Financial Services. I’ve helped many first-time buyers secure the right mortgage and I’ll guide you every step of the way.

Here’s how: - 

1. Understanding your situation — your income, savings, credit history and priorities.
2. Clear borrowing advice — working out how much you can afford without overstretching.
3. Deposit options — explaining what lenders expect and how schemes may help.
4. Whole-of-market search — finding the right deal, not just what one bank offers.
5. Simple explanations — so you understand fixed rates, trackers, terms and fees.
6. Support to completion — handling paperwork, deadlines and lender requirements.

Emma and I will guide you all the way through your mortgage application until your purchase has completed and you’re in your new home. 

With our superb service, you’ll always know what’s happening and what to expect next.