First Time Buyer Mortgages Doncaster | Doncastermoneyman

First Time Buyer Mortgage Advice in Doncaster

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Buying a home is a serious financial commitment, therefore, we understand that there can be a lot of nerves when it comes to being a First Time Buyer. Finding your dream first home can be exciting and something we would love to help you with!


With over twenty years of exceptional mortgage experience, our expert Mortgage Advisors in Doncaster are here to help you along with your mortgage journey.



Here at Doncastermoneyman, we strive to make your journey as fluid and easy as possible. We understand every customer’s circumstances are different and there is a possibility we have dealt with a situation similar to yours before. This could be moving into a new property on your own or with a friend/relative or something more complex.



When it comes to making an offer, it’s best that you are prepared with a Mortgage Agreement in Principle. If you are unsure, don’t panic, we are able to help you out with this.



With the competitive market and securing a property with your estate agent, you may feel a lot of pressure when it comes to being a First Time Buyer. As a caring Mortgage Broker in Doncaster, this is where we take action and support you in relieving the stress. If needed, we can work at a speed that fits your circumstance.



It can be overwhelming to choose the appropriate mortgage due to the variety of different types available on the market.


Open & Honest Mortgage Advice in Doncaster


Getting over every mortgage obstacle is something we aim to do at Doncastermoneyman. Our dedicated team will work hard, finding the most appropriate outcome for your personal circumstances.


A free Initial Mortgage Appointment is offered to all customers. If you are looking at discussing your mortgage options, check out our contact page so you can speak with one of our knowledgeable advisors and take advantage of expert Mortgage Advice in Doncaster.


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Mortgage Advice in Doncaster for First Time Buyers

We have helped a number of First Time Buyers take that first step on the property ladder through our experience providing tailor-made mortgage advice in Doncaster.



Here at Doncastermoneyman, we have been faced with situations that we find have come up regularly. Below are just a few scenarios we have encountered:

How much can I borrow?

If you are a First Time Buyer, who is in the initial process will probably be wanting about the maximum amount they could borrow.


Our calculators that are located on our website can help with this but, be aware, that this is only an estimation so may not be the exact figures. To get a more accurate number, it’s best to get in contact with a Mortgage Advisor in Doncaster.

Ready to Make an Offer

Another benefit of going to a Mortgage Broker in Doncaster like ourselves is that you can get support when you have found your dream property and are wanting to make an offer.


Our team can provide the help you need to obtain your mortgage agreement in principle (AIP), which can provide you with a more likely chance of being accepted.

You’ve Had an Offer Accepted

Before making any offers, we would always As soon as you have had your offer accepted on a property, then the full mortgage application can get started. Speaking to a Mortgage Advisor in Doncaster is something we would advise doing because we would be able to check if you are eligible for a mortgage and then obtain your AIP ready for you to back up any offers you make.

Need an Agreement in Principle (AIP)

Our team can usually get you a mortgage agreement in principle sorted out within 24 hours. As previously mentioned, it is always best to have an AIP at the ready before making any offers. This demonstrates to the vendor that you are ready to proceed.

Declined by your Bank or Building Society

We find that many people seek Mortgage Advice in Doncaster when they have approached a bank for a mortgage but have been declined. The bank may have declined your mortgage application for a number of reasons, however, we may be able to help.


As a mortgage broker in Doncaster, we can provide you the best option based on your circumstances. Furthermore, we have the opportunity to work with a large panel of lenders with some offering specialist products.



We are available 7 days a week and here to answer all of your questions if you are a First Time Buyer in Doncaster. We look forward to helping you on your mortgage journey.


Contact us to book your free mortgage appointment.

Why choose us to help you buy your first home in Doncaster?  


Our expert Mortgage Advisors in Doncaster have rich experience and knowledge in helping first time buyers take their first step on their mortgage journey.


Our Mortgage Advisors work 7 days a week until late, so they can work around you and you can contact them at your best convenience.


When you go to us, you will receive a free mortgage appointment which happens over the telephone or through a video call on Microsoft Teams.


You may be thinking your situation is too complex, but our 20 plus years of experience has provided us with the opportunity to face a range of mortgage scenarios. Therefore, you may find your situation is one we have encountered numerous times.


We have no ties with any other organisations like Banks, Estate Agents, or Builders. This is because we work exclusively for you and provide you with personalised service.


Through searching 1000’s deals, we can find you the most appropriate that fits best for your circumstances as a First Time Buyer. Our goal isn’t just finding you the right mortgage, it’s being there from the beginning to the end of your journey.


We will be your helping hand from your initial enquiry to getting the keys to your new home.


Our team works hard to make the process as stress-free as possible to provide you peace of mind. Every step of the way, you will be updated by your dedicated case handler who will make sure you understand what is happening.


We aim to help achieve your mortgage goals. Therefore, get in touch with us now to book your free mortgage appointment today.






Common mortgage

Your free initial mortgage consultation in Doncaster will last roughly 30 mins. We will then be on our way to recommending a mortgage for you, where you have no obligation for you to proceed. If you’d rather not take it and step back for a time, you have every right to do so.

Your mortgage advisor in Doncaster will carry out a Fact Find to establish your personal mortgage needs, before recommending the most suitable mortgage for your situation. A credit check will then be required in order for you to obtain an Agreement in Principle, which we are able to help with. Once you have provided the lener with all the relevant documentation, and you have had a valuation of the property completed, a formal mortgage offer can then be issued.

To avoid finding yourself disappointed when viewing and making offers on properties, we recommend you obtain an Agreement in Principle ahead of time. At the very latest, we recommend that you obtain one prior to making an offer, as this will assist your bargaining position.

An Agreement in Principle will usually last for between 30 and 90 days depending on the Lender that you are with. If your Agreement in Principle expires, you can easily have it refreshed.

You may have the option of taking out a second mortgage on your home for things like debt consolidation or any potential Home Improvements. It may also be possible to take out a mortgage on a second property to use on yourself, for a family member, a holiday home or even a Buy to Let.

The minimum deposit a lender will require when purchasing a house in Doncaster is around 5%. This figure can possibly be higher if you have had previous credit problems, but entirely depends on the lender.

If you’ve had credit problems previously, you may still have a chance at getting a mortgage, but you may possibly be required to put down a higher deposit than for the property than you might have if you had with good credit. This can often be 15% of the property purchase price.

You are able to get a mortgage, once you have submitted at least one year’s accounts. The majority of Lenders use your salary plus dividend to calculate the maximum mortgage amount you can borrow, whereas others will go off your net profit.

You’ll generally be required to send three payslips if you are a standard employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, proof of address and the previous 3 months’ bank statements.

The free mortgage consultation that you receive when getting in touch, will typically last up to 30 mins. We can help you obtain an agreement in principle within 24 hours of this consultation, with a formal mortgage offer taking on average about three weeks.

We make it so easy!
Our 4 step process

Step 1

A telephone test call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & Doncastermoneyman 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: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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Doncastermoneyman, 3 Cavendish Court, South Parade, Doncaster, DN1 2DJ.

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